Legal analysis: Bank loans mainly include three steps: loan issuance, account registration and supervision of payment. 1. loan. After the front desk of the bank confirms that all the legal documents of the loan are complete and the enterprise meets the pre-loan conditions and the payment method agreed in the contract, it fills in the credit business report and the loan index notice and distributes it to the risk management, credit management, financial planning, accounting and other departments. After verification, the accounting department shall go through the withdrawal and transfer procedures and transfer them to the deposit account opened by the enterprise in the bank. 2. Log in to the enterprise (and the guarantor) and upload it to the credit registration consulting system of the People's Bank of China. 3. Supervise the payment. According to the contract, supervise the use of loan funds. If the withdrawal of the enterprise belongs to entrusted payment, the full-time bank staff will directly pay the loan funds to the transaction object through the enterprise account according to the payment application of the enterprise and after checking that the information such as the payment object and amount are consistent with the business contract and other supporting materials.
Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Law of the People's Bank of China of the People's Republic of China Article 28 The People's Bank of China may decide the amount, term, interest rate and method of loans to commercial banks according to the needs of implementing monetary policies, but the loan term shall not exceed one year.