1. Customer demand assessment: The commercial bank will first assess the customer's demand and loan purpose, and determine the loan amount, repayment period and repayment method.

2. Loan application submission: When a customer submits a loan application to a bank, it is usually necessary to provide personal or enterprise-related documents, such as identification, financial statements, business plans, etc.

3. Loan review: Banks review customers' credit status, repayment ability and loan purposes. This stage usually includes credit evaluation, risk evaluation and repayment ability evaluation.

4. Loan approval: After the loan application is approved, the bank will send a loan approval notice to the customer, telling the loan interest rate, repayment method and related agreements.

5. Loan signing: both parties sign a loan contract, establish their rights and obligations, and agree on the repayment plan and related terms.

6. Loan issuance: After signing the contract, the bank will transfer the loan amount to the customer's account or issue the loan in other ways.

7. Loan management: After the loan is issued, the bank will regularly manage and track the repayment of the loan to ensure that the customer repays on time and keep in touch with the customer.

8. Loan settlement: When the customer pays off all the loan principal and interest according to the loan contract, the loan is settled.

It should be noted that the loan business of commercial banks may involve different types of loans, such as personal loans, corporate loans and housing mortgage loans. , their specific business processes may be different. In addition, the specific operation process of each bank may be different. The above is the basic process of general commercial bank loan business, which needs to be evaluated according to the actual situation.