Collect customer information;

Evaluate customers.

Characteristics of small loan companies.

(1) The loan interest rate is higher than that of financial institutions, but lower than the average interest rate of private loans. Many provinces and cities stipulate that small loan companies should operate according to the principle of marketization, and the upper limit of loan interest rate should be released, but it should not exceed 4 times of the benchmark loan interest rate announced by the People's Bank of China; The lower limit is 0.9 times the benchmark interest rate of the loan; The specific floating range is determined independently according to market principles. Judging from the interest rate of the pilot small loan companies, the loan interest rate is differentiated according to the risk status, capital status, loan term, collateral or credit rating of different customers, and is comprehensively determined based on the benchmark interest rate of the People's Bank of China and with reference to the interest rate of rural credit cooperatives in the region.

(2) In terms of loan methods, the Guiding Opinions on the Pilot Project of Small Loan Companies stipulates that the loan term, loan repayment term and other contract contents shall be determined by both borrowers and borrowers through consultation in accordance with the principle of fairness and voluntariness. Small loan companies take credit loans, secured loans, mortgage loans and pledged loans.

(3) In terms of loan targets, microfinance companies adhere to the principle of "small amount and dispersion", encourage microfinance companies to provide credit services for farmers and small enterprises, and strive to expand the number of customers and service coverage. The loan balance of a microfinance company to the same borrower shall not exceed 5% of the company's net capital, and the credit balance of a single group enterprise customer shall not exceed 15% of the net capital.

(4) In terms of loan term, the loan term of the microfinance company is determined by both borrowers and borrowers through fair and voluntary negotiation. Since 2005, according to the commercial micro-loan pilot of private capital operation carried out by the People's Bank of China in Shanxi, Sichuan, Guizhou, Shaanxi and Inner Mongolia, micro-loan companies mainly use short-term loans of three months and six months, and the short-term loans account for more than 70%. Loans for more than one year (including one year) only account for about 30%.