Legal analysis: submit relevant materials to the bank for review, and the bank will give an application reply after review. After the enterprise issues a loan application to the bank, it will submit the relevant materials to the bank for examination, and the bank will give a reply after examination, agree or disagree, or conditionally agree to the above application. In the reply, the bank will give a clear answer to the credit line, variety, use and interest rate agreed by the bank.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 73 A commercial bank that causes property damage to depositors or other customers under any of the following circumstances shall bear interest and other civil liabilities for delayed performance:

(1) delaying or refusing to pay the principal and interest of the deposit without reason;

(two) in violation of the provisions of the bill acceptance and other settlement business, not to cash, not to enter the payment, to hold the ticket, to hold the ticket or to refund the ticket in violation of the provisions;

(3) illegally inquiring, freezing or deducting personal savings deposits or unit deposits;

(4) Other acts that violate the provisions of this Law and cause damage to depositors or other customers.

Under any of the circumstances listed in the preceding paragraph, the the State Council Banking Regulatory Authority shall order it to make corrections. If there is illegal income, the illegal income shall be confiscated, and if the illegal income is more than 50 thousand yuan, a fine of more than one time and less than five times shall be imposed; If there is no illegal income or the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed.

Article 74 In any of the following circumstances, a commercial bank shall be ordered by the the State Council Banking Regulatory Authority to make corrections: if there is illegal income, the illegal income shall be confiscated. If the illegal income is more than 500,000 yuan, a fine of more than one time and less than five times the illegal income shall be imposed. If there is no illegal income or the illegal income is less than 500,000 yuan, a fine of not less than 500,000 yuan but not more than 2 million yuan shall be imposed; If the circumstances are particularly serious or are not corrected within the time limit, it may be ordered to suspend business for rectification or revoke its business license; If the case constitutes a crime, criminal responsibility shall be investigated according to law:

(a) the establishment of branches without approval;

(two) without the approval of the division, merger or change without authorization in violation of regulations;

(3) Raising or lowering interest rates in violation of regulations and using other improper means to absorb deposits and issue loans;

(4) Renting or lending a business license;

(5) buying or selling foreign exchange without approval or acting as an agent;

(6) buying and selling government bonds or issuing and buying and selling financial bonds without approval;

(seven) in violation of state regulations, engaging in trust investment and securities business, investing in non-self-use real estate or investing in non-bank financial institutions and enterprises;

(8) The conditions for granting credit loans or secured loans to related parties are better than similar loans of other borrowers.