Pledged loan process: 1. The borrower shall submit the following materials to the bank: (1) loan application approval form; (2) my valid identity certificate and a copy; (3) Effective contact information and telephone number; (4) If the pledge recognized by the bank is the pledge owned by a third party, the original and photocopy of the valid identity certificate of the third party and the written certificate of consent to pledge shall also be provided; (5) Other information required by the bank. 2. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract. 3. The bank issues loans to borrowers through transfer.