Any bank loan needs a lender and has the ability to repay the loan. Generally speaking, there are corresponding collateral (housing property rights, cars, machinery and equipment, etc.). ), but these are not enough. Banks should examine whether the company has the corresponding actual repayment ability. So in order to avoid risks, banks need to conduct a detailed investigation on the overall actual operation of enterprises at this time, so they will require enterprises to issue corresponding loan audit reports.

After the actual disbursement, the company also needs to conduct a special audit on the use of funds. That doesn't mean you're done after you get the money from the bank. If you don't use the money borrowed from the bank to do what you said in the report, the bank can recover the loan immediately. Here, I would like to remind companies that want to misappropriate bank loans. The consequences of doing so are very serious.

This loan audit report, as well as the special audit report you need to do later, are all means for banks to avoid their own risks. This premise is that you need to meet the corresponding conditions of the company before the loan review.