1. Loan application:

(1) Basic information of the borrower and guarantor;

(2) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) the correction of the original unreasonable loan;

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee;

(5) Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation, in which credit cooperatives evaluate the credit rating of borrowers;

3, loan investigation, credit cooperatives to investigate the borrower's legitimacy, safety, profitability and so on;

4, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval;

5. Sign a contract, and the credit cooperative signs a loan contract with the borrower;

6, loans, credit cooperatives in accordance with the provisions of the loan contract loans;

7. Post-loan inspection: the credit cooperative conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation;

8. Loan repayment. When the loan expires, the borrower will repay the loan principal and interest in full and on time.