1, customer data review: review the loan application or credit card application data submitted by customers to confirm the authenticity and accuracy of the data provided by customers.
2. Risk assessment: According to the customer's credit status, repayment ability and other factors, assess the customer's repayment risk and formulate corresponding risk control measures.
3. Audit decision: According to the audit results, decide whether to approve the customer's loan or credit card application, and formulate the corresponding repayment plan and interest rate policy.