It usually takes about half a month.

This is mainly related to personal comprehensive qualifications and personal credit. If there is a bad record, the review time will be longer and even the loan will not be approved. The general bank loan credit process is as follows: 1. Apply for a loan and submit relevant certification materials to the bank. 2. The bank evaluates the borrower's credit rating and investigates the borrower. 3. The bank approves the loan. 4. After approval, both parties sign a contract and issue loans.

What is the specific difference between the bank's credit approval process and the credit approval process?

1. Enterprises need loans, which belong to the company's business.

2. The bank credit approval center reviews the enterprise qualification according to the quota → the enterprise provides the required materials → the examination and approval departments examine and approve → the credit granting is completed, and the credit granting layer ends (with information such as the examination and approval quota and credit granting period).

3. The relevant credit business can be handled after approval and within the validity period of the letter of credit (this business must be approved).

4. The credit approval process is only conducted once within the validity period of the credit. Just go directly to the credit layer to handle the business before the credit validity period and credit limit are exceeded.

Generally speaking, the process of using credit card is not very complicated, just depends on whether the amount, contract, term and interest rate are appropriate. If there is no abnormality, the credit card will not be used again and the loan cannot be made.

6. Credit granting is the evaluation and judgment of the enterprise's qualification, and our credit granting is referred to as loan approval.

7. Letter of credit means that the enterprise already has our credit for you, and it is called the letter of credit with our credit, which is referred to as the line of use for short.

Extended data:

China Construction Bank takes credit approval and other departments as the focus of daily supervision:

China Construction Bank held a conference on building a clean and honest party style and discipline inspection and supervision. The meeting demanded that efforts should be made to investigate and deal with bribery, taking advantage of his position to seek personal gain for his relatives, accepting benefits in disguised forms in various names, and crimes committed by his position.

We will never tolerate acts that harm public interests and private interests, internal cooperation, and the interests of the state and CCB. Take measures according to law, resolutely meet the conditions of lien, and transform the institutional advantages of effectively investigating and investigating duty crimes after reform into governance efficiency.

Organize centralized rectification activities for problems in credit, centralized procurement, infrastructure projects and other fields, focusing on finding clues from bad credit, reporting, illegal investigation, audit discovery, patrol handover clues, legal proceedings and other aspects, so as to improve the ability to find problems.

We will deepen the special governance of poverty alleviation areas and work styles, pay close attention to poverty alleviation projects, poverty alleviation loans, and poverty alleviation assistance, and strictly investigate and deal with those who dare to touch the "cheese" in poverty alleviation areas.

At the same time of severe punishment, coordinate and urge the business operation department, asset insurance company and legal department to follow up in time, do a good job in the investigation of business risks involved, the recovery of funds involved, the seizure and seizure of assets involved, and strive to reduce and avoid financial losses, prevent secondary damage and guard against financial risks.

"This year, we should focus on key people, key matters and key areas, focusing on the heads of institutions at all levels, especially the' top leaders', focusing on the heads of credit management, asset management, market transactions, credit approval, large purchases, information technology and other key positions and employees with centralized power, intensive capital and abundant resources, as the focus of clue handling, patrol inspection and daily supervision."

Zhu, head of the Discipline Inspection and Supervision Team of the State Supervision Commission of the Central Commission for Discipline Inspection in China Construction Bank, said.