Not after checking the credit information. According to relevant public information, taking photos is one of the auditing methods, mainly to confirm the identity and assets of borrowers, so as to improve the accuracy and reliability of auditing. Credit investigation is one of the essential links in audit. By inquiring about the borrower's credit report from the credit reporting agency, we can understand its credit record, repayment record and overdue situation, so as to evaluate the borrower's credit risk and repayment ability. Therefore, taking photos and inquiring about credit information are both important links in the examination and approval of loan applications, but they do not mean the end of the examination and approval or the only criteria for approval.