Handling the working capital loan process of Nanjing Bank Location: Home > Loan Information > Operating Loan 20 1 2-17 Handling the working capital loan process of Nanjing Bank1. Enterprises apply for loans from Nanjing Bank Branch according to actual needs, and the branch declares access according to the conditions of the first credit business, and the corporate banking department and credit management department of the Head Office review it. 2. For the enterprises that have been allowed to enter, the credit personnel of the sub-branch carefully investigate the borrower's basic situation, credit status, solvency, finance, management, products and development prospects, loan purposes, guarantees, potential risks of loans, etc. According to the requirements of the Measures for the Administration of Credit Granting of Nanjing Commercial Bank, fill in the Examination and Approval Form for Corporate Credit Granting of Nanjing Commercial Bank and report it to the Corporate Banking Department of the Head Office. 3. The credit personnel of the business department of the company shall submit the information submitted by the branch to the credit management department for review after passing the preliminary examination. 4. After approval, the Credit Management Department will conduct approval according to certain approval authority or continue to submit it to the Credit Approval Committee for discussion. The Credit Approval Committee is the highest decision-making body for approving bank loans in Nanjing. 5. After the loan is approved, the sub-branch and the borrower shall sign the loan contract and guarantee contract in time according to the relevant requirements, and the borrower must use the money according to the withdrawal plan and purpose approved by the bank. 6. After the loan is issued, the credit management personnel of the sub-branch shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and the borrower's operation, and warn the superior bank in time when problems are found. 7. The credit management personnel of the sub-branch shall issue a loan maturity notice to the borrower 1 month before the loan maturity, and urge the borrower to raise funds to repay the loan on time. If the repayment cannot be made on time, it shall be determined whether it meets the extension conditions according to the actual situation, and the extension information shall be reported to the relevant departments 15 days in advance.