Application: The enterprise applies for loan guarantee. 2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee. 3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank. 4. Guarantee: evaluate the guarantee and counter-guarantee agreement signed with the enterprise. 5. Lending: On the basis of reviewing the guarantee, the bank issues loans to enterprises and collects guarantee fees from enterprises. 6. Tracking: Tracking the loan use and operation of enterprises. 7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow. 8. Dissolution: With the repayment form of the enterprise bank, the mortgage registration is cancelled, and the guarantee relationship with the bank and enterprise is cancelled. 9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees. 10. Archive.

Legal basis: Article 9 of the General Rules for Loans.

Loans are divided into short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of 1 year (inclusive). Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).