The third step of ICBC's handling of public loans is credit inquiry. The specific steps of ICBC's handling of corporate loans are as follows:

1. When the borrower applies for a loan, it shall submit relevant materials, including loan application approval form, income certificate, lender's ID card, etc.

2. The lender conducts pre-loan investigation, including the borrower's credit record, qualification, repayment ability and other factors.

3, loan approval, the lender for approval, check the borrower's credit record, to determine whether to approve the loan.

4. Sign the contract. If the loan is approved, the borrower and the lender sign a loan contract.