The proportion of non-performing loans to registered capital shall generally not exceed 8%. The high rate of non-performing loans will affect the bank's ability to resist risks and attract the attention of the People's Bank of China and its CBRC. Affect the bonus payment of its employees. More than 8% of the People's Bank of China will require additional registered capital. In fact, banks are borrowers. The increase in non-performing loans means that more people do not pay their debts. You should be able to imagine the impact. As long as the number is large enough, banks will have no cash flow and eventually fall into bankruptcy.

There are many indicators that banks value in their own development, such as loan quality, capital turnover rate, capital adequacy ratio and so on.

Non-performing loans have many aspects, the most basic and direct performance: earnings per share, total profit, capital turnover rate and so on.

For specific legal provisions, please refer to the corresponding management regulations of the People's Bank of China, which goes far beyond what ls said.

In fact, under the current circumstances, the margin of safety of China banks is still very high, and what I am most worried about is the collapse of the real estate industry. Because this will lead to a decline in the quality of bank loans.

Lending within a week is only two days or even the same day at the earliest, but this time is not fixed, because there will be many uncertain factors, such as the number of bank mortgage approvals at this stage, whether the bank's mortgage quota is sufficient, and so on. In general, the loan is successful within one week.

Under the condition that the customer information is complete and in line with the relevant loan conditions of ICBC, the personal loan approval work is completed in principle within 2 working days. This regulation applies to all personal loan businesses currently run by ICBC, but the specific approval time depends on the actual situation of customers. After the contract is signed, it takes about 10 days for approval, about 1 week for mortgage registration, and about one week for the final loan.

After reading the above introduction, I believe you have a better understanding of how long ICBC can lend money after the mortgage is approved. If the loan is unsuccessful within one week, if you have any questions or want to know the specific loan time, you can consult ICBC Bank, subject to the loan bank.