The head office's approval limit for branches is generally 10-25 working days, which can be approved. When the loan amount exceeds the branch's approval authority, the branch will report it to the head office for approval. If the loan branch approves it, whether the head office can approve it mainly depends on whether the lender meets the loan conditions. The audit results of branches and head offices are different, which is very common in loans. Lenders meet the loan conditions, have strong repayment ability and good credit information, which are generally approved by the head office.

Bank introduction

Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are classified into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

The central bank, the People's Bank of China, is the central bank of China. A specialized financial institution is responsible for implementing monetary policy, macro-controlling the national economy, and supervising and managing financial institutions and even the financial industry.

Policy banks include The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. A financial institution that shares or guarantees responsibilities, directly or indirectly engages in policy financing activities in specific business areas, serves as a tool for the government to develop the economy, promote social progress and conduct macroeconomic management, and is not for profit, and specializes in implementing and cooperating with the government's social and economic policies or intentions.