The operation process of CCB merchant loan is as follows:

1. Prepare materials. Materials to be prepared include ID card, copy of business license, copy of organization code certificate, copy of tax registration certificate, financial statements, loan contract, list of collateral and ownership certificate.

2. Submit the application. You can fill in and submit the loan application form and related materials online through the website of CCB, or go to the nearby CCB outlets to submit it.

3. Bank audit. The bank will review the submitted application, including the applicant's qualifications, business conditions, credit records and other aspects, and may conduct on-site investigation and third-party evaluation.

4. approval results. According to the audit results, the bank decides whether to grant loans and loan quotas. After the approval, the bank will sign a loan contract with the applicant.

5. Issue loans. The bank will issue the loan to the account designated by the applicant according to the contract, and carry out interest and repayment according to the agreed interest rate and repayment method.

6. repayment management. Applicants need to pay off the principal and interest on time before the loan maturity date.