Do customers who have obtained bank credit still need guarantees for their loans?

In ICBC, guarantee is needed, because credit (unfinished guarantee procedures) is only the highest credit limit after enterprise credit rating, including loans, acceptance of bills of exchange, opening of letters of credit, etc. In the actual use of funds, it also includes mortgage pledge guarantee.

Once the credit is granted in the joint-stock bank (the guarantee procedures have been completed). You can use the funds.