The letter of intent for loans must be handled with care and taken seriously, and can only be issued to the outside world after being approved by the internal examination and approval authority. Beyond the bank's authority, it must be reported to the superior bank for approval. Bank-enterprise cooperation agreement is a common letter of intent for loans, but the legal status of the terms of the agreement must be clarified. If the agreement is required to have legal effect, the loan arrangement in the agreement shall be regarded as a credit line agreement.