After the application is approved, you need to fill in the individual loan contract+(mortgage/guarantee/credit) contract+supplementary contract, and pay the application category (independent/entrusted). After the contract is completed, the borrower and his/her spouse, the mortgagor/guarantor and his/her spouse will sign it, and the account manager and the credit supervisor will sign it for approval (the relevant person in charge should sign it according to the authorized amount and authority, usually the account manager will do it). Then take the electronic process. The electronic flow of each bank should be different. If you are a bank clerk, ask your senior. If you are a borrower, you don't have to worry about this step. After the electronic process is passed, it should be possible to lend money.