Bank loan procedures: (1) Establish a credit relationship? When an enterprise applies for establishing a credit relationship, it shall submit an application for establishing a credit relationship in duplicate. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The contents of the investigation mainly include: (1) the legality of enterprise management. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope. (2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements. ③ Whether the enterprise and its main products belong to the development sequence of national industrial policy. (4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance. ⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated. 6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term? After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises should sign a contract for establishing a credit relationship and apply for a loan? An enterprise that has established a credit relationship may apply for a working capital loan from the bank according to the reasonable working capital demand in the process of production and operation. [Take an industrial production enterprise as an example] When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted. According to the national industrial policy, credit policy and related systems, and in combination with the credit granted by the superior bank? Carefully review the scale plan of enterprise loan application and the source of credit funds. (3) loan review? The main contents of the loan review are: ① the direct use of the loan. Direct uses that meet the scope of support for working capital loans of industrial enterprises are:

procedure

1. Borrower's pre-loan consultation: fill in the Application for Mortgage of Residential Houses and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.