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There are three stages in the approval of general loans, one is to submit information, the other is to review, and the third is to issue loans after review.

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Second, the meaning of Bank of Communications loan progress

1, loan

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Step 2 make progress

Progress, pinyin is jnd, which refers to the degree of progress and the plan of working speed.

Refers to the plan including the speed of each project in the whole work. People's Literature 1983No. 12: "In order to adapt to his progress, I have to separate him from others and teach him alone." People's Literature 1989No. 12: "The Academic Affairs Office of the school has arranged the total class hours of each course according to the teaching progress throughout the year."

3. Status

State is the form of people or things. Refers to the form or condition of real (or virtual) things in the critical period of production, survival, development, extinction or transformation.

Dongyang's "Houshu Painting Water Volume": "There are twelve paintings, which are different in the same state." Chapter 14 of Guo Moruo's Hongqubo: "Everyone's eyes are full of a unique cold flame when they are hungry."

Extended data:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.