What does the bank mean when it says that the first approval is passed?

The pre-approval of bank loans is divided into two steps, preliminary review and final review. The first approval is the first approval;

1. The preliminary examiner mainly reviews the completeness of the information in the file and conducts a second verification. Investigate the authenticity of the data, provide the reliability of the documents, and give preliminary opinions based on the materials submitted by the customer and the customer's credit status score. For example, the loan term, interest rate, loan amount, etc., which can be granted in accordance with the policy;

2. The final examiner mainly conducts a review and judges according to the logic and authenticity of the information in the file. Generally, the final examiner is a very experienced clerk, and whether there is false information or not, and whether the customer has the ability to repay can basically be judged. The opinion given by the final examiner is the final opinion, and if it is approved, a credit letter will be issued.

The letter of approval is generally electronic, and the sub-branch can issue a written letter of approval according to the specific situation. If there is a problem with the file, the account manager will be required to provide written explanations in the first or final review, which has nothing to do with the customer, and the account manager will directly bear all the consequences, such as requiring the account manager to come to verify the identity and the authenticity of the company;

3. The loan review work is very complex, and it is necessary to conduct risk review according to various regulations. There are many conditions that require review, mainly involving laws such as contract law, banking law, real estate management law, property law, urban planning law, civil law and so on.

Not every bank wants benefits, banks are here to serve. The sub-branch to the branch means that you have handed over the materials, and the sub-branch (the branch you handle) has sorted out your information plus the information required by the bank, (such as the customer description form, the president's signature, and the business manager stamped with the bank business seal) and then handed over to the largest construction bank (so-called branch) in your city. and other branches of the loan department for approval.

The whole process will take about a month, 2 months is not normal, it is recommended to call ** to the CCB customer service to ask what the situation is, the CCB customer service will help you urge your city branch to help you speed up the processing.

Banks also have to collect benefits, depending on how you behave.

It means a preliminary pass.

Legal analysis: Without the approval of the banking regulatory authority, no unit or individual may engage in commercial banking business such as absorbing deposits from the public, and no unit may use the word "bank" in its name.

According to the provisions of the Banking Supervision and Administration Law, the Banking Regulatory Commission, as the supervision and management of China's banking industry, is responsible for the supervision and management of the entire financial institutions, and it has the power to examine and approve the establishment, alteration, and termination of commercial banks and their business scope in accordance with the law. Therefore, the establishment of a commercial bank should be examined and approved by the Banking Regulatory Commission. This article also clearly stipulates this:

The establishment of a commercial bank shall be subject to examination and approval by the banking regulatory authority.

Legal basis: Article 11 of the Law of the People's Republic of China on Commercial Banks The establishment of a commercial bank shall be subject to the review and approval of the banking regulatory authority.

Chinese or foreign?

As far as I know, foreign capital does not have the approval of the head office, taking Standard Chartered Bank as an example, after the interview in Tianjin, if you are interested, there will be a person in Beijing, generally the head of the department, or the head of the northern region, the flowering period is Shanghai, HSBC is also Beijing, other similar to UOB, Societe Generale Bank Tianjin is in charge, if there is a foreign capital to tell you that the head office approves, it is estimated that it will not work, and find an excuse for you to give up.

If it is a Chinese-funded bank, if you are interviewing for a position in a branch, it is possible that the head office will approve it, but if it is a position in a branch, it will generally not. Therefore, if the interview of the branch tells you that the head office approves it, it is estimated that it will be no fun, and if it is a position in the branch, it is still possible.

Faced with such a situation, you should:

1. Call ** to human resources, confirm the progress of approval, you can ask what you need to do 2, if you have the ability, you can ask the head of manpower to come out, generally need to be recommended by others, it is useless for you to make a hard appointment yourself, you know a, a knows the boss of human resources, so it's OK, it's not a bad thing to have a good relationship with manpower, of course, it depends on whether the position and rank you are interviewing for is worth it.

If the head office does not approve, you cannot join the company. Banks need to be approved by the head office if they want high-level talents. It will take about 2 months. The problem here is that if the head office doesn't approve it, you won't be able to get into the job. Generally, it will be approved.

It is said that it is approved by the head office.

During this period, I still have to go to the event.