The loan process is as follows: the borrower submits the loan application materials to the bank;
The bank conducts a preliminary examination of the application materials submitted by the borrower;
Banks conduct credit investigation, customer evaluation, preliminary examination, credit investigation and approval of loan applications that meet the loan conditions.
Benefits of loans:
From the consumer's point of view, it is mainly to meet the consumer's life needs and improve the quality of life;
From the relationship between production and consumption, consumption has a negative effect on production, especially after the economy enters the buyer's market.
Judging from the macro-control policies to stimulate consumption and economic growth, loans have played a driving role from stimulating consumption to stimulating production.