Generally speaking, the management process of a loan is divided into nine links, of which () is the first link in the whole process of loan management.

Answer: b

Loan application is the first step in the whole loan management process. Generally speaking, the management process of a loan is divided into nine links: loan application, acceptance and investigation, risk assessment, loan approval, contract signing, loan issuance, loan payment, post-loan management, loan recovery and disposal.

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