Loan audit is a risk assessment and approval process conducted by banks or other financial institutions after customers apply for loans. In the process of loan review, banks or other financial institutions will carefully evaluate customers' credit records, repayment ability and the purpose of applying for loans. Through the audit, the bank can determine whether to provide loans to customers and under what conditions.

Loan audit is an important means to prevent credit risk. By examining and approving loan applications, banks can identify possible potential risks, such as the borrower's bad repayment credit. If the bank audit is strict, it can avoid the generation of non-performing loans and ensure that financial institutions themselves are not damaged. At the same time, for the borrower, the bank can provide the loan scheme that is most in line with its actual situation after review, and safeguard the legitimate rights and interests of both parties.

Loan audit is one of the core businesses of financial institutions. Some details will affect the audit process, such as the bank's careful evaluation of the credit history of loan applicants, personality tests (gambling and gambling addiction) and so on. In some cases, especially in emergencies, the approval process will be accelerated. This process requires not only the professional skills of bank employees, but also the application of correct technologies and algorithms to achieve more accurate audit and loan approval.