Legal analysis: 1. Fill in the loan application form. After the borrower determines the required loan products and online lending platform for trading, he can fill in the application form on the online lending platform or contact the loan consultant through the online lending platform. Usually, the online lending platform will ask the borrower to provide personal basic information such as name, contact information and ID number. 2. Loan qualification review: After receiving the borrower's loan application, the online lending platform will investigate the borrower's qualification and review whether the borrower meets the corresponding loan conditions. At present, most online lending platforms need to review the borrower's credit history, income level, economic ability and unit occupation. 3. The borrower communicates with the borrower. When the borrower passes the loan qualification examination, the loan company will have a special loan consultant to contact the borrower, and the two sides will understand and discuss the loan-related matters. The loan consultant will give a loan plan suitable for the borrower's situation, and the borrower can negotiate with the loan consultant about the loan and choose whether to lend in the end. 4. Submit relevant information. After the borrower decides to lend, it needs to provide relevant loan information to the lending institution. Lending institutions will review the borrower's information after receiving it. 5. Sign a loan contract. After the borrower's information is reviewed by the borrower, if it passes, the two parties sign a loan agreement. When signing a loan contract, the borrower must read the loan contract carefully and pay attention to the terms in the contract. 6. Issue loans.

Legal basis: Article 3 of the Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries: Peer-to-Peer Lending Information Intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard their legitimate rights and interests, and shall not provide credit enhancement services, set up fund pools or illegally raise funds, and shall not harm the interests of the state and society. Lenders and borrowers should bear the loan risk on the principle of "voluntary lending, honesty and trustworthiness, self-responsibility and self-risk". Peer-to-peer lending information intermediaries bear the responsibility of objective, true, comprehensive and timely information disclosure and do not bear the risk of loan default.