There was a loan for ten years. Installment loan is a loan that the bank allows the borrower to repay in installments within a certain period of time. The premise for banks to issue such loans is to investigate the borrower's financial situation and repayment ability, and the survey results meet the payment requirements. At the same time, the time of installment repayment, the amount of each installment repayment and the calculation of interest must be determined in the payment contract.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Meaning:

Banks put concentrated monetary and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.

General rules:

General principles of loans, in order to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and borrowers, ensure the safety of credit assets, and improve the overall efficiency of loan use. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank, and shall come into force on August 20 10/996+0.

Audit:

Loan audit refers to a special audit provided by banks to examine whether enterprises have the loan conditions and loan purposes required by banks. In the audit report, we not only expressed audit opinions on the accounting statements, but also expressed opinions on the operation and management, financial status and loan use of the enterprise. It is an indispensable basis for banks to avoid loan risks and enterprises to show their operating conditions.