Loan review

Direct use of length loans

2. The borrower's loan qualification conditions

3. The borrower's credit tolerance

4. The borrower's development prospect, main product structure, new product development ability, main leaders' working ability and organizational management ability.

5. The source of funds for the borrower to repay the loan and its solvency.

6. Loan Guarantor Information

7. Review loan collateral (pledge).

8. According to the loan method, the borrower's credit rating and the borrower's risk limit, etc. Determine whether the loan is available, as well as the loan structure and additional conditions.

(2) loan approval

After the loan bank reviews the loan of the applicant enterprise, it will submit the qualified credit project to the approver for approval.

The approver decides whether to approve the credit business according to the expected benefits and risks brought to the bank by the credit business. If the conclusion of examination and approval is not approved, notify the relevant personnel. If the person who has the right to request and apply for reconsideration thinks that reconsideration is really necessary, the compliance examiner may accept the application or request for reconsideration according to relevant regulations, conduct compliance review and submit it to the approver for reconsideration. If the conclusion of examination and approval is reached within the examination and approval authority, the relevant personnel shall be informed in time. If the conclusion of examination and approval is continuation, the relevant personnel shall be notified to handle the continuation. If the conclusion of examination and approval is yes but beyond the examination and approval authority, relevant application materials shall be organized and submitted to the superior bank for examination and approval.