准确把握个人贷款业务操作流程，可有效规避贷款风险。下列环节不属于贷款操作流程的是（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26774' and id < 2227548 and id<>'2227548' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26774' and id > 2227548 and id<>'2227548' order by id asc limit 5