Associated loan refers to the loan method in which there is an associated relationship between loan issuance and certain collateral or other assets in the process of bank loan approval.

In related loans, the borrower and the bank are related in ownership and direct or indirect control, including individuals or companies. Due to the risk of related loans, banks need to fully understand the assets of related parties during the approval process to ensure that borrowers can repay on time. This kind of loan is risky, because the audit of the borrower's credit level may lack objectivity and there are potential risks. When issuing relevant loans, banks need to conduct more cautious risk assessment and review procedures to ensure that borrowers have sufficient repayment ability and credit reliability. Borrowers also need to fully understand the risks of related loans to ensure that they can fulfill their obligations on time and avoid serious problems.