It must be implemented. According to Article 35 of People's Republic of China (PRC) Commercial Bank Law, commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. The loan approval separation system means that different departments or posts are responsible for the loan approval respectively, so as to achieve the purpose of mutual restriction and mutual supervision. It can avoid the increase of loan risk caused by the excessive power of a certain department or individual.