1. Application: An enterprise applies for a loan from a bank, and provides business license, business statements for the last three years, tax records for the last two years and other relevant information of the enterprise. 2. Bank audit: After the bank receives the application materials of the enterprise, the staff carefully examines all the materials and evaluates the qualifications of the enterprise. 3. Signing a loan contract: After the enterprise passes the audit, the bank and the enterprise sign a loan contract, stipulating the loan purpose, loan interest rate and loan amount.

Small and medium-sized enterprises only need to submit materials once to apply for "secured loans", and the time from enterprise application to bank lending has also been shortened from the past three months to 1 month, making financing more convenient.