The loan mechanism refers to the way that banks lend money to users. Loans, banks, credit cooperatives and other institutions lend money to units or individuals that use money, and generally agree on interest and repayment date. Mechanism refers to the structural relationship and operation mode between various elements, and refers to the structure, function and mutual relationship of organisms; The structure and working principle of the machine, so the loan mechanism is the way for banks to lend money to people who use it.