According to ICBC official website, applying for e-loan requires credit authorization, because e-loan is a loan business, and the credit status of customers needs to be evaluated. Credit authorization is mainly to query the credit information of customers in the central bank's credit information system, so as to evaluate the credit status and loan amount of customers.

Credit authorization is an essential step in the process of loan application, but it also needs careful consideration by customers. Customers should first understand their credit status in the credit information system and related authorization terms to avoid unexpected situations in the authorization process.