1, loan application. The borrower applied for a loan from Harbin Bank.
2. Credit rating evaluation. Harbin Bank evaluates the borrower's credit rating.
3. Loan survey. Harbin Bank investigates the legitimacy, safety and profitability of borrowers.
4. Loan approval. Harbin Bank carries out loan approval according to the loan management system of separating loan approval from grading approval.
5. sign a contract. Harbin Bank signed a loan contract with the borrower.
6. Loan issuance. Harbin Bank issues loans on schedule according to the loan contract.