It may be that you applied for online loans or cash loans, and those small loans could not upload credit information, so you uploaded credit information through the channels of rural credit cooperatives.

The process of a regular bank is:

First of all, the borrower needs to submit a series of materials to the bank except the ID card.

include

(1) loan application approval form; (The lender shall fill in directly at the lending institution)

(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)

(3) proof of work and income;

(4) Other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.