Reduce risks. According to its financial inquiry, bank loans are generally issued in one lump sum. If the lender wants to pay in several installments, he can negotiate with the loan bank. If the loan amount is relatively large, the bank may bring it in twice or have a certain approval process. Industrial and Commercial Bank of China issues corporate loans in batches, mainly for the sake of risk control. In order to reduce risks, banks generally divide loans into several periods according to the credit standing, operating conditions and previous repayment records of enterprises, so as to gradually understand and master the operating conditions and repayment ability of borrowing enterprises, and dynamically adjust the amount and duration of subsequent loans according to the actual situation.