財(cái)務(wù)代理的會(huì)計(jì)需知道授信流程主要有幾步：
1、和銀行初次談判，一般就是互相熟悉一下，對(duì)借款人的需求和自身整體情況做個(gè)系統(tǒng)介紹，銀行根據(jù)借款人的資金需求及借款人情況，量身定做個(gè)初步的授信方案，然后會(huì)列出清單，讓借款人提供很多資料復(fù)印件，包括法人代碼、營(yíng)業(yè)執(zhí)照、財(cái)務(wù)報(bào)表、驗(yàn)資報(bào)告、經(jīng)營(yíng)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(jù)上次提供的資料，還會(huì)進(jìn)一步調(diào)查，發(fā)現(xiàn)問題，要求補(bǔ)充資料以及實(shí)地調(diào)查等，然后銀行根據(jù)調(diào)查結(jié)果初步做出授信調(diào)查報(bào)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(diào)查人員把調(diào)查報(bào)告以及相關(guān)資料復(fù)印件報(bào)內(nèi)部審批中心或者信貸部審查。在審查階段，審查員會(huì)提出一些問題，要求補(bǔ)充調(diào)查，直到審查員個(gè)人認(rèn)為合格就接著上貸審會(huì)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(huì)投票通過后，簽訂授信合同，根據(jù)貸審會(huì)意見，按照其限制條件出賬。 整個(gè)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.
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