Yes, banks can lend money directly, and there is no need to register beforehand and afterwards. According to Part IV of the Regulations on the Administration of Cross-border Guaranteed Foreign Exchange, there is no need to submit guarantee data to the capital account information system.

Regulations of People's Republic of China (PRC) Municipality on Foreign Exchange Control

Article 20 Banking financial institutions may directly provide commercial loans abroad within the approved business scope. Other domestic institutions providing commercial loans abroad shall apply to the foreign exchange bureau, which shall make a decision on approval or disapproval according to the applicant's assets and liabilities; If the state stipulates that its business scope needs to be approved by the relevant competent authorities, it shall go through the approval procedures before applying to the foreign exchange bureau.

The provision of commercial loans abroad shall be registered in accordance with the provisions of the foreign exchange administration department of the State Council.