What do you mean you didn't pass the risk control audit?

Risk control audit is an audit method to judge whether the borrower has the ability to repay the loan on time. Generally speaking, the contents of risk control audit mainly include the following three aspects: credit, asset proof and repayment ability. Failure to pass the risk control audit means that you are not up to standard. Main contents of risk control audit: 1. The borrower's "character", that is, credit, should strictly review the user's credit information when borrowing, and at the same time identify the loan risk through big data. 2. Asset certificates provided by the borrower, including but not limited to real estate, vehicles and other types. 3, the borrower's repayment ability, according to the user's work income and debt situation to judge whether there is the ability to repay on time.

Loan review is a further review of the purpose, purpose and operational rationality of corporate loans by commercial banks on the basis of pre-loan investigation. There are three main points: ① Find out the facts. That is, the approver examines the reasons and uses of loans provided by enterprises and loan officers, and correctly judges their nature. 2 master the policy. Mainly on the basis of ascertaining the facts, according to the credit policy determined by the state and higher-level banks, whether to lend or not is finally determined. (3) determine the loan. It mainly determines the loan amount, repayment period, interest rate and loan method.

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