The difference between bank audit post and approval post lies in the different nature of work. The bank audit post mainly checks whether the loan customer information is complete and meets the bank regulations, while the approval post examines the customer's loan qualification and repayment ability. This is the difference between the bank audit post and the approval post.

Please briefly describe the difference between the accepting bank and the approving bank.

Different institutions, different people,

1. Accepting and handling bank: refers to the branch of the bank directly facing the public. Approval bank: refers to the institution that approves the loan application submitted by the borrower.

2. The handling bank is for all the public, and the approving bank is for targeted people, such as borrowers.

The difference between credit financing approval and loan approval

1. What's the difference between financing and loans? Lending institutions generally refer to institutions with large scale and great market influence, such as banks, insurance and other financial industries, which lend funds to lenders at established interest rates in the form of loans, requiring them to repay the principal and pay corresponding interest within a certain period of time. This form and scale are called loans. In essence, loans include not only borrowing money, but also some economic behaviors such as discounting in finance. Therefore, loan is a general term for all kinds of capital transfer methods. The existence of loans not only allows funds to realize their use value to a greater extent, but also allows banks and other financial institutions to obtain interest and other benefits in this way. As far as financing loan itself is concerned, it has certain commonness, because loan itself is one of them, which refers to loans in a narrow sense. In order to achieve the purpose of financing, enterprises can also obtain funds through project financing and other means. In addition, generally speaking, for loans, large enterprises will call it financing, but generally small and medium-sized enterprises will call it corporate loans, and different enterprises will have different names. In the process of market development, corporate financing and corporate loans represent certain economic behaviors. Moreover, this kind of financial behavior, which is conducive to promoting enterprise progress and social development, will continuously bring greater resource utilization to society and enterprises, and make society and enterprises develop more rapidly. Second, what are the characteristics of financing? (1) Raise funds as much as possible; (2) Remember that angels, VC and PE all like to invest in "dreams". This beautiful promise will either solve the existing problems or create a better future; (3) Show potential evidence of the company's success to potential investors, such as the company's products, organizational leadership and return on investment; (4) Try to raise funds through multiple channels, establish good relations with partners, and adjust plans at any time; (5) Remember, you are not only raising funds, but also looking for "partners". Therefore, before signing the agreement, it is best to outline the cooperation prospect with the new partner and consider whether it can maximize your personal and company interests. To sum up, in fact, the loan itself is a kind of financing, and enterprises of different sizes just have different names of financing. Small and medium-sized enterprises are generally called loans and large enterprises are called financing.

The difference between pre-approval and approval of automobile loans

1, the difference between pre-approval and approval

① Pre-approval refers to the preliminary examination of the lending institution, that is, the lending institution has preliminarily approved the personal information you submitted, and only after passing the preliminary examination can you qualify for a formal loan.

(2) loan approval refers to instructions. Usually, when you are in the approval process, it means that you have passed the audit. The next step is for the lending institution to decide whether to lend money.

2. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

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1. Is the car loan automatically deducted?

Yes, the car loan will be deducted automatically. When signing a car loan contract, users will agree on the bank card for repayment. On the repayment date of each month, the car loan will be automatically deducted. Take SAIC Finance as an example. The user agrees to use the CCB savings card for repayment, and the repayment date is the 2nd day of each month. Then the No.2 system will automatically deduct the balance in the CCB card for car loan repayment.

2. Does the car loan start from the day the car is picked up?

The car loan is actually calculated from the date of lending, and then we need to start repayment in the second month of lending by the lending institution. The car loan contract will indicate the first repayment date and the last repayment date, not counting the month of the loan. Therefore, the car loan gives users a certain buffer time after the loan, and the loan will not be repaid until next month.

3. When will the car loan be paid back?

After the car loan application is successful, the repayment will generally start in the second month after the loan is issued. For example, the car loan contract was signed on May 2, and the repayment date was determined as the second day of each month. After the approval, the loan will be released on the same day and the owner can drive the car home. On June 2, it was the first repayment of the car loan. In addition, the loan contract will also stipulate the first repayment date, and you will know the first repayment date by looking at the contract.

4. Is the car loan credit card automatically cancelled after repayment?

After the car loan credit card is returned, it will not be automatically cancelled. During the validity period, the bank will not cancel this card. However, because the credit line of this card can only be used to buy a car, after paying off the car loan, there is no credit line in the card, and the credit card without credit line cannot be used. Therefore, the user can choose to return the card, or the system will automatically return the card after the expiration.

This concludes the introduction of the difference between loan review and approval and what loan review means. I wonder if you have found the information you need?