搜题

商业银行在受理借款人贷款申请后,应该对借款人进行贷款调查的内容包括( )。

(中级)银行业法律法规与综合能力 2023-08-11

A.核实抵押物、质物情况
B.信用情况
C.核实保证人情况
D.借款的合法性、安全性
E.测定贷款的风险度

参考答案:ABCDE

贷款人的调查人员应当对借款人的信用等级以及借款的合法性、安全性、盈利性等情况进行调查;核实抵押物、质物、保证人情况,测定贷款的风险。贷款人应当建立审贷分离、分级审批的贷款管理制度。

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