在信用社的信贷审批中 ,存有先签合同后审批的情形 ,究其原因 ,一是借款合同本身就是审批时需予以审查的一项重要内容 ;二是习惯上认为贷款发放反正以按权限管理规定的最后一道审批手续为准 ,特别是须报上级联社审批的贷款 ,上级联社均需留档 ,先签合同 ,备齐材料 ,可免来回奔? Credit approval in the credit cooperatives, there are first sign the contract after the approval of the case, the reason, one is the loan contract itself is an important element to be examined when approval; the second is customary that the loan issuance anyway by the permissions The final approval procedures of the administrative regulations shall prevail. In particular, the loans to be submitted to the upper-level associations for approval shall be kept by the upper-level associations. The first sign of the contract and the preparation of the materials can be exempted from going back and forth.