Legal analysis: fixed assets loan process: loan acceptance; The bank conducts due diligence; Loan review and approval; Sign mortgage and loan contracts; Implement account monitoring; Review exit conditions; Loan issuance and payment; Post-loan management; Repay the loan; The bank returned the warrants of other collateral.

Legal basis: Article 13 of the Interim Measures for Personal Loans.

After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Article 23 of the Interim Measures for Personal Loans

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.