The car loan approval process is divided into two steps: first, the personal loan information is preliminarily reviewed, and then the final review is conducted by telephone return visit or on-site follow-up interview. Generally, as long as it is passed in the first instance, the final pass rate is very high, but it does not mean that the final approval can be passed. If the first trial is rejected, it is often because the bank found that there is something wrong with the applicant's information or credit when reviewing the information or calling back later, so it rejected the car loan application.

The loan approver shall sign the approval opinions according to the review, and if the loan is not approved, the reasons for refusal shall be explained; Where supplementary materials are needed before examination and approval, the name and contents of the supplementary materials shall be specified in detail; For the same or conditional loans, clear adjustment opinions should be put forward. After the loan approver signs the approval opinions, he shall return the approval form together with relevant materials to the business department. The loan approver should review the following contents: whether the loan applicant meets the loan conditions and has the repayment ability; Whether the loan purpose is in compliance; The completeness, validity and legality of the information provided by the borrower; Whether the amount and duration of the loan application comply with the relevant loan measures and regulations; The investigation opinions of the investigators before the loan, the evaluation and analysis of the borrower's credit status and whether the loan suggestions put forward are accurate and reasonable; Examining and approving whether the main risk points of loans and their risk anti-counterfeiting measures are compliant and effective; Other matters that need to be reviewed.

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. The "three principles" of loans refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Commercial banks take safety, liquidity and efficiency as their operating principles, and the primary problems faced by commercial banks are self-management, self-risk, self-financing and self-disciplined loan security. Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; 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.