1. contact: it is the initial contact between the customer and the bank, indicating the financing demand.
2. Pre-lending survey: After contact, the bank will start pre-lending survey and collect relevant information.
3. Scheme negotiation: Some of this link is completed at the first contact, and some are completed together during the pre-loan investigation, that is, the bank and the customer discuss the credit line, variety, term, price and guarantee method. After the negotiation. Account managers began to write investigation reports, and some businesses also wrote project analysis reports.
4. Loan review: All business data will be submitted to the risk control department for review. The risk control department will audit the project and draw a preliminary audit conclusion.
5. Loan review meeting (not required): Some projects are relatively large, or the business is relatively special, or there are special management requirements, and a loan review meeting will be held for collective deliberation.
6. Loan approval: After the risk control review (reviewed by the loan review committee) is passed, the business needs to be submitted to the owner for approval. Generally speaking, the owner has a veto, that is, the owner can not approve the approved business, but this rarely happens.