The account manager of the branch writes the report and submits it to the president for approval, as well as the business department of the company (directly written by the branch); Then submit it to the credit department of the branch for re-examination. After being approved by the credit department of the branch, it shall be submitted to the loan review committee of the branch for approval. After the branch's loan review committee approves it, it will have a credit line. But beyond the authority of the branch, it should be reported to the higher authorities, such as the regional examination and approval authority or the head office examination and approval authority.