In the process of lending, the lending bank shall, according to the date stipulated in the lending agreement, charge the lending fee for the outstanding loan balance of the borrower or project unit according to the following provisions. The loan fees charged by the loan bank are all included in the unified accounting of the financial income of the system.

The process of bank loan business is: first apply for loan, then the bank approves it, then sign a contract, and finally issue the loan. However, the lending business must be handled according to law, otherwise it may constitute a crime of lending at high interest and bear criminal responsibility.