分额度审批指的是银行或其他金融机构根据客户的信用记录和财务状况，对其申请的贷款或信用卡额度进行审批的过程。这种审批方式可以对不同客户进行差异化处理，根据客户的实际情况审批不同的额度，以满足其不同的金融需求。

在分额度审批中，银行会根据客户的信用评分、收入、职业、资产负债表等信息进行综合评估，以确定其信用风险和还款能力。根据评估结果，银行会给予客户不同的贷款或信用卡额度，并在合同中明确规定利率、还款方式等相关条款。

分额度审批的好处在于，它可以更好地满足不同客户的金融需求，提高银行的业务效率和客户满意度。同时，分额度审批也可以帮助银行更好地管理风险，对高风险客户进行限制或拒绝，降低坏账率。

英文：

What is the meaning of sub-limit approval?

Sub-limit approval refers to the process by which banks or other financial institutions review and approve the loan or credit card limit applied by customers based on their credit records and financial situation. This approval method can provide differentiated treatment for different customers, approving different limits for each customer based on their actual situation, to meet their different financial needs.

In sub-limit approval, banks will conduct a comprehensive assessment of customers' creditworthiness, including factors such as credit score, income, occupation, balance sheet, etc. Based on the assessment results, banks will grant different loan or credit card limits to customers and specify relevant terms such as interest rate and repayment method in the contract.

The benefits of sub-limit approval are that it can better meet the financial needs of different customers, improve the efficiency and customer satisfaction of the bank's business. At the same time, sub-limit approval can also help banks better manage risks by limiting or rejecting high-risk customers, reducing the rate of bad debts.