The approval process of bank loans is as follows (for reference): 1. Loan application 1, basic information of 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 the loan application; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee; 5. Project proposal and feasibility report; 6, credit cooperatives that need to provide other relevant information; Second, credit rating evaluation, credit cooperatives evaluate the credit rating of borrowers; Third, the loan investigation, credit cooperatives to investigate the legitimacy, safety and profitability of borrowers; Four, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval; Five, the signing of the contract, the credit cooperative and the borrower signed a loan contract; Six, loan, credit cooperatives in accordance with the provisions of the loan contract; Seven, after the loan inspection, credit cooperatives to the borrower's performance of the loan contract and the borrower's operating conditions for follow-up investigation and inspection; Eight. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time.