Going through the system means that after the examiner reviews and confirms the loan application, it is necessary to verify whether the information of the loan applicant is true and effective in the system. This process helps to ensure that the risk of loan approval is effectively controlled, and it also helps the approving agency to reduce the risk of approval and operation. Credit loan refers to the loan issued by the bank based on the credit of the borrower; The borrower does not need to submit any guarantee when making a loan, but correspondingly, a credit loan requires the borrower to have a good credit standing, and the bank will examine the borrower's economic level and the nature of his work. And the borrower can apply for a loan only after meeting the conditions of bank loan.