Loan review and lending will not belong to one department. There are regulations in the banking system, and the loan approval system is separate. Approval is a department, and issuance is another department or outlet. Loan review is the bank's credit department, and lending is the bank's credit management department. The loan management of banks refers to the decision-making activities of commercial banks on how to allocate credit funds, so as to facilitate economic development and increase their own profits. Its contents include: managing credit relationship, managing loan scale and loan structure, managing loan risk, improving loan economic benefit, establishing reasonable interest rate system, correctly implementing interest rate policy, improving settlement service and strengthening settlement management.