2. Write a submission report and submit it to the examiner for review-signature of the person in charge of the business institution-credit review department of the branch.

3. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them according to the relevant regulations of the bank, and if there are any questions or omissions, it will ask the operating institution to supplement the materials.

4 materials do not meet the requirements, returned to the business organization for review. After the materials are complete, the auditor will issue an audit opinion and submit it to the head of the audit department for review.

5. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

6. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the lending center to apply for lending.

Personal loan application shall meet the following conditions

1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are reasonable;

4. The borrower has the willingness and ability to repay;

5. The borrower's credit status is good and there is no significant bad credit record;

6. Other conditions required by the lender.