the automatic deduction time of bank loans is generally the early morning of the agreed repayment date, and the specific time should be consulted with the bank handling the loan. When you apply for a loan, the bank will ask you to apply for a bank card, and you will deposit the money on time every month, so the bank will automatically deduct it. The bank will agree with the applicant on the repayment date of the loan, and must deposit the money before the repayment date, otherwise it will lead to overdue, and the loan cannot be processed after the deadline.

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The emergence of loan risks often begins at the stage of loan review. From the disputes in comprehensive judicial practice, it can be seen that the risks in the stage of loan review mainly appear in the following links. The content of the review left out the bank's loan examiners, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks don't have due diligence, and the loan examiners often only pay attention to the identification of documents, but lack due diligence. In this way, it is difficult to identify fraud in loans and it is easy to cause credit risks. Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents, or by professionals making professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on the relevant facts in legal and financial aspects. In practice, most of the loan review processes are not very rigorous and in place.

the principle of loan is "three principles", which refers to safety, liquidity and efficiency, which is the fundamental principle of loan operation of commercial banks. "Commercial banks operate on the principles of safety, liquidity and efficiency, and implement self-management, self-risk, self-financing and self-discipline." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period, or to realize it quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of bank's sustainable operation. For example, if a long-term loan is issued, the interest rate is higher than that of a short-term loan, and the benefit will be good, but if the loan term is long, the risk will increase, the safety will decrease and the liquidity will become weak. Therefore, the "three natures" should be harmonious, so that there can be no problem with loans. If the legal representative holds a foreign passport or has the right of permanent residence in a foreign country, and his enterprise or company has branches abroad, the loans of enterprises whose main family members have settled abroad or set up companies abroad should be strictly controlled, and the financial transactions of his legal representative abroad and enterprises should be closely watched. In particular, the transfer of funds abroad or the unclear use of funds should be strictly examined, supervised and stopped in time.