1. Application: The borrower applies for a loan and provides relevant information to the lending bank.

2. Investigation: After receiving the borrower's application, the investigators of the lending bank should promptly review the borrower's cash flow status, profitability, credit status, loan purpose, repayment ability, etc., and Form a written opinion on the investigation and submit it to the reviewer for review.

3. Review: The reviewers of the loan bank will conduct review based on the investigation opinions of the investigators and the loan information provided, and put forward review opinions, which will be reported to the person with the authority for review and approval.

4. Approval: The approving personnel of the loan bank will provide approval opinions based on the information provided by the investigators and reviewers and the loan, combined with the bank's loan policy.

5. Sign the contract: If the loan is approved by the approving personnel of the lending bank, the lending bank will face-to-face with the borrower and the pledger to sign the loan contract, pledge contract and related ancillary documents.

6. Lending: The lending bank issues loans in accordance with the signed loan contract.