Not necessarily. Although the loan is made within the credit limit, the lending bank needs to comprehensively evaluate the borrower's credit status, and the credit evaluation will be stricter than usual. If the evaluation results meet the loan conditions, the loan will be issued, otherwise the loan will fail even if there is a credit line.

In order to avoid this situation, the lender checks the credit before lending, and then improves the shortcomings. For example, if the debt is high, you can reduce the debt first, and if the credit is long, you can reduce the credit institutions by clearing the arrears and canceling the credit card.

Credit only means that banks provide direct financial support to customers or guarantee customers' credit in related economic activities to third parties.

What impact does the proposal of listed companies to apply for credit from banks have on stocks?

Credit granting means that banks directly provide financial support to customers or provide guarantees to third parties for customers' credit in related economic activities. When a listed company applies for credit from a bank, the impact on the stock depends on the situation. The positive factor is the continuous expansion of the company's scale, and the negative factor is that the company does not make rational use of resources and there is waste.