Emergency loans for bank employees are legal. Bank loans can be expedited, and there is a charge for expedited loans. The queuing of bank loans can also be accelerated. Fees range from 500 yuan to 800 yuan. When issuing secured loans, we should carefully investigate the relationship between borrowers and guarantors. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid. Suggestions for loan review Every loan should be carefully reviewed, and the risk judgment of the loan should not be based on past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.

Article 671 of the Civil Code of People's Republic of China (PRC), if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.