The handling bank should sign a written loan contract with the borrower before granting the loan.
贷款发放前，经办行与借款人订立书面借款合同。
In loan granting, pledged right, as a means of pledging the creditors rights, can guarantee the lenders rights with perfect safety.
在借贷关系中，作为债权担保方式之一的权利质押，对贷款人实现权利可说是万无一失的保证。
EXAMPLE: Since the bank's analysts determined that the new company had an exceptionally high debt ratio, they advised against granting their request for a new loan.
这家银行的分析师认为这家新公司负债率过高，建议拒绝这家公司的贷款请求。
Article 23 If a contract stipulates a special account for granting the loan, the loan shall be granted and paid through this account.
第二十三条合同约定专门贷款发放账户的，贷款发放和支付应通过该账户办理。
Article 3 the bank granting a loan pledged with a special export tax rebate account shall have priority to claim upon the tax rebate in the pledge account.
第三条出口退税专用账户质押贷款银行，对质押账户内的退税款享有优先受偿权。
Article 37 For granting a loan, the commercial bank shall conclude a written contract with the borrower.
第三十七条商业银行贷款，应当与借款人订立书面合同。
Article 37 For granting a loan, the commercial bank shall conclude a written contract with the borrower.
第三十七条商业银行贷款，应当与借款人订立书面合同。
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