1. Inquiry by credit reporting agencies: Banks will inquire about credit records through credit reporting agencies to learn about loan application history, repayment records and related information.
2. proof of income: banks usually require proof of income to prove that they have sufficient repayment ability. Proof of income can include payroll, tax bill, social security payment certificate, etc.
3. Career evaluation: Banks will evaluate their career stability and income level to determine whether they have sufficient repayment ability. Some banks will evaluate the risks of certain occupations, such as the difficulty of obtaining loans for high-risk occupations.