1. loan application. The borrower applies to the local bank for a loan. In addition to applying for small loans in rural areas, relevant information must be provided when applying for other types of loans. (1) Basic information of the borrower and guarantor; 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 the loan application; (3) the rectification of the original unreasonable loan; (4) List of collateral and pledge, certificate of consent of the person who has the right of disposition to mortgage and pledge, and relevant certificate of guarantor's intention to agree to guarantee; 5] Project proposal and feasibility report; (6) Other relevant information that the bank considers necessary.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan investigation. Banks investigate the legality, safety and profitability of borrowers.

4. loan approval. Banks shall examine and approve loans according to the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's execution of the loan contract and the borrower's operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If the loan is to be extended, an application for loan extension shall be submitted to the bank before the loan maturity date, and the bank shall decide whether to extend the loan.