1、和銀行初次談判，一般就是互相熟悉一下，對借款人的需求和自身整體情況做個系統介紹，銀行根據借款人的資金需求及借款人情況，量身定做個初步的授信方案，然后會列出清單，讓借款人提供很多資料復印件，包括法人代碼、營業執照、財務報表、驗資報告、經營許可等。 General is 1, and the bank for the first time negotiations, familiar with each other, the demand for borrowers and their overall introduce system, bank according to borrower of money demand and the borrower, tailored a preliminary credit scheme, then list, let the borrower to provide a lot of data copy, including legal person code, and the business license, financial statements and capital verification report, business license, etc 2、銀行根據上次提供的資料，還會進一步調查，發現問題，要求補充資料以及實地調查等，然后銀行根據調查結果初步做出授信調查報告。 2, bank according to the information provided last time, further investigation, found the problem, request additional information and on-the-spot investigation, etc., and then the bank according to the survey results to make a credit investigation report. 3、銀行的調查人員把調查報告以及相關資料復印件報內部審批中心或者信貸部審查。在審查階段，審查員會提出一些問題，要求補充調查，直到審查員個人認為合格就接著上貸審會投票。 3 the investigators report, banking and related data copy submitted to the internal examination and approval center or credit review.In the review stage, the inspector will come up with some problems, requires supplementary investigation, until the inspector personally think qualified credit review will vote on then. 4、貸審會投票通過后，簽訂授信合同，根據貸審會意見，按照其限制條件出賬。 整個流程完畢。 after a vote by the umpire will loan, credit contracts, according to the loan review opinions, according to the restrictive conditions to enter an item of expenditure in the accounts.The entire process to complete. 濟南代理記賬公司：http://www.irmblog.cn
