Now, the management and protection right is in the branch, and the branch actually handles the loan business. Under normal circumstances, branches and sub-branches have the right to approve loans. Branches have certain limits, and those exceeding the limits shall be reported to the branches for approval. At present, some banks focus on the branch approval mode. Account management right: refers to the record generated in the banking system when the customer cooperates with the bank for the first time to handle the guarantee business and has an actual business relationship. Account management right is one of them, and the default account management right is the bank to which the business belongs. On the premise of keeping the right to use the unit funds and financial autonomy unchanged, cancel the unit bank account, unify the management of accounting personnel, fund settlement and accounting, and incorporate accounting services and supervision and management into a financial management system. Implement the management measures of "centralized management, centralized payment, unified account opening and household accounting".