Usually, the approval and authorization system of loan business mainly includes: the principle of moderate authorization, the principle of differential authorization, the principle of dynamic adjustment and the principle of consistency of power and responsibility.

Determination method of loan authorization: In principle, the loan authorization of banking financial institutions to business functional departments and branches should be given a certain weight according to their risk management level, asset quality, economic environment in the region, credit experience of the main person in charge, and be reasonably determined through quantitative evaluation of risk indicators. In addition, when determining the loan authorization, the business characteristics of corporate credit, small business credit and personal credit should also be properly considered.