If the approval time is too long, it may be caused by the following reasons. For details, please consult the loan bank staff:

(1) Small farmers' loans involve many departments and have a long process;

(two) the information provided by the customer at the time of application is incomplete and needs to be supplemented, and the examination and approval personnel need to know the situation again;

(3) Account managers are unfamiliar with farmers, and the investigation time may be long;

(4) Service ability and service radius of account managers: It may be that the customer's location and environment are not convenient for bank investigation, there are few account managers and many farmers applying for loans, which leads to excessive pressure on household investigation;

(5) The loan business of farmers is large. In order to improve work efficiency, account managers usually concentrate on a group of farmers, and then concentrate on data sorting after all investigations are completed, which leads to a long waiting time for farmers who investigate first;

(6) After investigation, the account manager fails to notify the borrower in time if it does not meet the loan conditions;

(seven) the examiner needs to make supplementary investigations on the questioned matters or there are too many loans that need to be examined because of the lack of examiners;

(eight) a few banks may have the right to approve loans without timely approval;

(9) Affected by the bank's loan plan, funds and other factors.