(1) The enterprise submits a written application to the financial trust institution, and provides the basic information of the enterprise, production and operation, loan purpose, loan conditions, repayment ability and repayment source as required.

(2) The handling personnel of financial trust institutions shall examine and analyze the application contents and materials of enterprises, put forward their own analysis conclusions and opinions and report them step by step.

(3) The manager of the competent department conducts a comprehensive analysis according to the preliminary examination materials reported by the handling personnel, discharges the order of the enterprises to be loaned, and organizes the investigation.

(4) The person in charge shall make an outline according to the contents to be investigated, conduct an investigation after being approved by the competent manager, and write an investigation report.

(5) The manager in charge shall conduct an audit according to the investigation and relevant information, and finally make a decision: whether the goods are available or not, the loan amount and term.

(6) The enterprise that approved the loan will issue an IOU to the financial trust institution, and Economic legal with compensatory ability will issue the guarantee procedures; Then, the borrower and the borrower sign a loan contract.

(7) The Financial Trust Department shall remit the money to the borrower's account at the time agreed in the contract and the IOU.

(8) After the loan is issued, the use of the loan shall be checked regularly and irregularly, and the borrower shall be supervised to use the loan according to the purpose stipulated in the contract, and the problems arising shall be dealt with in time to prevent the risk loss.

(9) When the loan expires, it shall be promptly collected and the principal and interest of the loan shall be recovered on schedule. If the borrower is unable to repay the loan due to temporary difficulties, it shall apply for an extension before the maturity, explain the reasons, adjust the repayment plan, and put forward measures to ensure repayment. After the original guarantee unit promises to renew the guarantee, the financial trust institution may apply for an extension, and the extension period shall not exceed half a year.

(10) At the end of the fixed assets trust loan, the handling personnel shall also write a closing report and file it for future reference.