Loans are a form of credit activity in which banks or other financial institutions lend money at a certain interest rate and must be returned. Loans in a broad sense refers to loans, discounts, overdrafts and other lending funds in general. Banks through the way the loan will be concentrated currency and monetary funds put out, can meet the social expansion of reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.