What about bank loans?

The specific process of handling bank loans. 1. Submit a loan application. If a borrower needs to borrow money from a bank, he should first apply directly to the corresponding bank or other bank's agent or loan company. 2. Submit the loan application for acceptance. After the borrower applies to the bank or loan assisting company to submit the loan-related materials, the relevant handling personnel will introduce the loan handling process and loan term of the bank or loan assisting company to the borrower, and conduct a preliminary examination of the borrower's conditions, qualifications and application materials; 3. Bank loan survey. After accepting the borrower's application, the borrower's credit rating should be evaluated and investigated first, and the relevant responsible personnel should take reasonable measures to verify the authenticity of the materials submitted by customers and evaluate the borrower's normal repayment ability and willingness according to relevant regulations; 4. Bank loan approval. Establish a bank loan management system that lenders approve separately and at different levels. The authorized approver will finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, economic situation, credit standing and guarantee situation; 5. Bank loans. After the loan conditions are implemented, the customer can apply for the loan amount from the bank loan bank at any time according to the capital demand; 6. Post-loan management. Bank loan banks shall, in accordance with the relevant provisions on loan management, supervise and inspect the income status of borrowers and the use of bank loans, and the inspection results shall be recorded in writing and filed; 7. Bank loan repayment. For the repayment of bank loans, according to the repayment plan and normal repayment date agreed in the loan contract, the borrower should first repay the principal and interest of bank loans in full and on time according to the loan contract.

; 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 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.