With socio-economic developments, bank loans have become one of the ways in which many people can solve their financial problems. In the course of bank lending, a number of people have asked the bank whether it needs to brush water, as well as specific requirements for the flow. The following is a multi-faceted analysis of whether banks can handle loans or not。

Does the bank have to wash the water for the loan

1. Do industry regulations require running water

In my country, there is no specific legislation to regulate the flow of water for loans. However, in the circular of the People ' s Bank of China on the regulation of balance sheet recognition and information disclosure for financial institutions, issued in 2017, banks were required to publish information on all products on the official website of financial institutions prior to the sale of financial products. This means that the bank does not impose a requirement on the customer to provide running water, but if the bank does require the customer to provide running water, the customer should be clearly informed when the product information is made public。

2. Is there a uniform standard for bank specific requirements for running water

According to the bank regulations, the requirements of the loan flow vary from bank to bank. Banks conduct audits on the basis of the borrower ' s qualifications, repayment capacity and use of the loan. Larger banks generally carry out more rigorous scrutiny of lenders ' credit position, repayment capacity, at which point more financial information may be required from borrowers, such as water flows, payrolls, tax statements, etc., while small banks, loan companies, etc. require relatively less stringent requirements, but also more stringent requirements for borrowers ' credit records。

3. How does an individual ' s credit record affect the availability of running water

An individual ' s credit record is one of the important factors influencing whether banks require financial material such as running water. Borrowers also have good records with banks if they have a better credit record, proving that they have a stronger repayment capacity and a repayment sense. At this point in time, the bank is more liberal in its billing material for lenders, for example, large banks, credit companies with good credibility may need to look only at the borrower's identity card, work certificate, etc。

4. Do various types of loans require running water

The type of loan will vary from one type to the other. For example, personal credit loans are more demanding than housing loans, as individual credit loans are more risky and need to be circumvented by more financial circumstances. Housing loans, on the other hand, place greater emphasis on factors such as the value of the borrower ' s house, the housing environment, and therefore the application for the loan may differ。