The last step is to borrow K-treasure from ABC. Agricultural Bank of China Netjet can complete the whole process of loan only by verifying KBao certificate. Therefore, it is the last step for ABC to borrow K-treasure. At present, online lending is only in the promotion period, and customers with agricultural bank loans can apply. The application process needs to verify the KBao certificate, and those who hold KLing and KBao at the same time need to switch to KBao.