If the loan card is not examined annually, it will affect the credit status of the enterprise in the bank, and the People's Bank of China will also impose corresponding penalties on the loan sponsoring bank of the enterprise and order all commercial banks to stop lending to the enterprise. Because during the annual review of the loan card, many recent information of the enterprise should be updated and reported to the People's Bank of China in time, so that all loan banks aiming at the enterprise can fully understand the information of the enterprise through the consultation system of the People's Bank of China.

If the landlord's loan card is not inspected annually, he should immediately go to the People's Bank or entrust the basic bank to handle it on his behalf.