Banks operating real estate mortgage loans should investigate these eight items.

For operating real estate mortgage loans, banks should investigate the following eight aspects in addition to the qualifications of borrowers, the authenticity of application materials, repayment ability and repayment methods:

1. Verify the authenticity and legality of the business premises lease. If the lessee refuses to provide relevant information because it has no obligation to provide information on its operating conditions to Minsheng Bank, the handling bank shall collect as much information and materials as possible from the lessee through public channels, upstream and downstream customers and suppliers of the lessee.

2. If the property is leased as a whole, the financial status, operation, management mode, sustainable operation ability and rent payment ability of the main lessee shall be investigated and evaluated through on-the-spot investigation of the existing projects of the main lessee. If the rental mode of the property is piecemeal, we should analyze the operation situation, rental income level, rental yield, vacancy rate and property management of the property in the past three years, so as to evaluate the present situation and trend of property management.

3. Judge the long-term value, lease prospect and liquidity of the operating property, and make a comprehensive judgment on the future operating stability of the operating property within the proposed loan period.

4. If the lessee is an affiliated enterprise of the loan applicant, the handling bank shall strictly investigate and evaluate the affiliated transactions, judge the existence of the affiliated transactions and their impact on the loan according to the principle of prudence, and put forward countermeasures.

5, lease contract review. The impact of operating property leasing on the creditor's rights and mortgage rights of the Bank should pay special attention to the impact of the rent payment method, rent adjustment, lease term, rent withdrawal, rent adjustment and breach of contract on the loan contract and guarantee contract when exercising the mortgage right. The lease contract shall be submitted to the legal department of the branch for review, and the review opinions of the legal department and the risk prevention measures formulated by the risk management department of the handling bank shall be submitted together as the approval materials.

6. Review the actual use of the rental income of the real estate used by the borrower before financing; Review whether the amount of property management fee as the daily maintenance fee of the property is sufficient; Review the borrower's other sources of operating income except rental income, and judge the borrower's ability to supplement the repayment source when the rent is insufficient to repay the loan.

7. Where a guarantor is established, it shall inspect the financial operation of the guarantor and judge its guarantee ability.

8. If the operating property is directly managed by the property holder, it shall be investigated whether the property holder has a history of engaging in property management, as well as the operating conditions and property management experience of its shareholders.