In order to optimize the handling of venture loans and effectively solve the problem of "two-headed running of government and bank" in loan approval, our city innovatively implemented the service of "government-bank joint operation" for venture guarantee loans, and directly handled "loan acceptance" at the front bank. At the same time, the application materials were reduced from the initial 12 items to three items by means of declaration commitment, department verification and information inquiry. The 5 working days approved by the government and 10 working days approved by the bank in the original commitment time are directly merged into 7 working days for settlement.