No. The chairman of the bank generally does not have the power to approve loans, but this also depends on the bank's rules and regulations. Under normal circumstances, loan approval authority is owned by the risk management department of the bank. Loan approval power refers to the bank's power to grant loans to customers. It can review the customer's loan application based on the customer's loan application, loan qualifications, loan guarantees, etc., and approve whether the customer can be granted a loan. Most directors do not have loans. Approval authority.