Legal analysis: the first thing to do is that the borrower submits a personal salary loan application form to the bank; after the bank receives the loan application and materials, it will review the materials within a specified period of time; the bank will issue loans to eligible borrowers that are consistent with their salary level, credit rating, and desired loan amount.

Legal basis: "Circular of the State Banking Regulatory Commission on the Issuance of Measures for the Administration of Entrusted Loans by Commercial Banks" Article 8 Commercial banks entrusted with entrusted loan business shall require the entrusted person to undertake the following duties, and make a clear agreement in the contract.

(1) Determine on its own the borrower of the entrusted loan and examine the qualification of the borrower, loan project, qualification of the guarantor, and the collateral and pledge.

(ii) Ensure that the source of entrusted funds is legal and compliant and that the principal has the right to dispose of them on its own, and provide the entrusted funds to the commercial bank in a timely manner as agreed in the contract.

(c) Supervise the borrower to use the loan funds in accordance with the contract, ensure that the use of the loan is legal and compliant, and bear the credit risk of the borrower.