Bank customers ask the bank, or the account manager takes the initiative to come to the door. In short, the first step is for customers to make initial contact with banks to show their financing needs. 2. Pre-lending investigation. After contact, the bank will conduct pre-loan investigation and collect relevant information, including customers, basic information of the project, development prospects, policy or industry environment, information of the proposed guarantor or real estate, and so on. 3. Program negotiation. 4. Loan review. After discussing the plan and writing the investigation report, we'll check again. 5. Loan review meeting (not required): Some projects are relatively large, or the business is relatively special, or there are special management requirements, and a loan review meeting will be held for collective deliberation. 6. Loan approval: After the risk control review (reviewed by the loan review committee) is passed, the business needs to be submitted to the owner (usually the president or authorized vice president, and some banks have independent approvers) for approval. 7. Sign the contract and go through the formalities: After the approval, the customer and the bank can wait for the loan after completing the mortgage formalities. 8. loan review: recovery: when the loan expires, the principal and interest will be recovered on time, and a business is successfully concluded, which makes everyone feel at ease.

Second, the bank loan approval process

Legal subjectivity: bank loan approval process: 1, basic information of borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for loans; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6, credit cooperatives that need to provide other relevant information; Second, credit rating evaluation, credit cooperatives evaluate the credit rating of borrowers; Third, the loan investigation, credit cooperatives to investigate the legitimacy, safety and profitability of borrowers; Four, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval; Five, when signing the contract, the credit cooperative and the borrower signed a loan contract; Six, loan issuance, credit cooperatives in accordance with the provisions of the loan contract; Seven, after the loan inspection, the credit cooperatives to the borrower's implementation of the loan contract and the borrower's business situation to conduct a follow-up investigation and inspection; Eight. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time.

Legal objectivity: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

3. What is the approval process for bank loans?

Loan procedure

1, loan application. Borrowers apply for loans from local credit cooperatives. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the credit cooperatives.

2. Credit rating evaluation. Credit cooperatives evaluate the credit rating of borrowers.

3. Loan survey. Credit cooperatives investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Credit cooperatives carry out loan approval in accordance with the loan management system of loan separation and grading approval.

5. sign a contract. Credit cooperatives sign loan contracts with borrowers.

6. Loan issuance. Credit cooperatives issue loans on schedule according to the loan contract.

7. Post-loan inspection. The credit cooperatives shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, an application for loan extension shall be submitted to the agency before the loan expires, and the extension matters shall be decided by the agency.