The car loan approval process is divided into two steps. First, the personal loan information is preliminarily reviewed, and then the final review is conducted by telephone call back or door-to-door follow-up interview. Generally, as long as the first trial is passed, the final approval rate is very high, but it does not mean that the final approval can be passed. If the first trial is rejected, it is often because the bank finds that there are problems with the applicant's information or credit when reviewing the information or making a telephone call back later, so the car loan application is rejected.

the loan approver should sign the approval opinions according to the review, and if the loan is not approved, the reasons for refusal should be stated; If the materials need to be supplemented before approval, the name and content of the materials that need to be supplemented shall be specified in detail; For the same or conditional loan, clear adjustment opinions should be put forward. After the loan approver signs the approval opinions, he shall return the approval form together with relevant materials to the business department. The loan approver shall review the following contents: whether the loan applicant meets the loan conditions and has the repayment ability; Whether the loan purpose is in compliance; The completeness, validity and legality of the materials provided by the borrower; Whether the amount and duration of the loan application comply with the relevant loan measures and regulations; The investigation opinions of the investigator before the loan, the evaluation and analysis of the borrower's credit status and whether the loan proposal put forward is accurate and reasonable; Whether the main risk points of the loan for approval and its risk anti-counterfeiting measures are compliant and effective; Other matters that need to be reviewed.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" of loans refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation. "Commercial banks operate on the principles of safety, liquidity and efficiency, and implement self-management, self-risk, self-financing and self-discipline." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period, or to realize it quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of bank's sustainable operation. For example, if a long-term loan is issued, the interest rate is higher than that of a short-term loan, and the benefit will be good, but if the loan term is long, the risk will increase, the safety will decrease and the liquidity will become weak. Therefore, the "three natures" should be harmonious, so that there can be no problem with loans.