In the course of operation, banks need to rely on their own investment and loans from others to make profits and ensure their sustainable operation. Without loans, it is difficult for banks to operate, and they will be punished if they issue loans in violation of regulations, but there are still many banks that issue loans in violation of regulations.

First, make temporary profits for yourself. If the bank needs a certain amount of funds in a short period of time, but can't get enough funds, then it is possible to get funds to some extent by issuing illegal loans. Including illegal loans, other ways of issuing loans can make enough profits in the short term, but there are many directions. For example, if you report them through the CBRC, you can investigate.

In addition to loans, banks have other projects that can also make high profits. But in the field of loans, many people are trying for the time being, because loans have a certain probability of bad debts. There are also many people who ran away from the bank without paying back the money to a certain extent after the loan, so they cheated the bank.

Many people choose loans, put their money in other people's places, and then become foreigners themselves or keep their money for themselves through other people's loans. After these people became Lao Lai, they turned the bank's money into their own money in disguise. Turn the loan into bad debt, the bank can't collect the debt, and spend the money with peace of mind.

Second, in order to increase their fixed assets. 1. Others can repay the loan.

2. There is interest on repayment.

Improve one's own value

Lend the cash to others, and others will surely pay it back. Few people will not take the initiative to pay back the money, and most people will return the money from the loan to the bank on schedule. Banks are very willing to lend money to others, so that they can get excess profits steadily, and many banks are doing so.

Third, banks are actually short of money. Although the bank has a lot of money, most of it is not its own, but is kept for others. They can make money through this investment, but they also need to make money.

Banks should also find ways to make profits. It is understandable to make a profit and let others invest in this commercial bank for themselves. Most banks borrow money from various customers in various ways, which is also the bottom line of economic law.

In the process of bank operation, loan is a very important project. So many people put their profits on investment loans.