Recent observations reveal that a cool disk may survive in the innermost stable circular orbit (ISCO) for some black hole X-ray binaries in the canonical low/hard state. The spectrum is characterized by a power law with a photon index $Gamma sim 1.5-2.1$ in the range of 2-10 keV and a weak disk component with temperature of $sim 0.2$ keV. In this work, We revisit the formation of such a cool, optically thick, geometrically thin disk in the most inner region of black hole X-ray binaries at the low/hard state within the context of disk accretion fed by condensation of hot corona. By taking into account the cooling process associated with both Compton and conductive processes in a corona, and the irradiation of the hot corona to the disk, we calculate the structure of the corona. For viscosity parameter $alpha=0.2$, its found that the inner disk can exist for accretion rate ranging from $dot M sim 0.006-0.03 dot M_{rm Edd}$, over which the electron temperatures of the corona are in the range of $1-5times 10^9 rm K$ producing the hard X-ray emission. We calculate the emergent spectra of the inner disk and corona for different mass accretion rates. The effect of viscosity parameter $alpha$ and albedo $a$ ($a$ is defined as the energy ratio of reflected radiation from the surface of the thin disk to incident radiation upon it from the corona) to the emergent spectra are also presented. Our model is used to explain the recent observations of GX 339-4 and Cyg X-1, in which the thin disk may exist at ISCO region in the low/hard state at luminosity around a few percent of $L_{rm Edd}$. Its found that the observed maximal effective temperature of the thermal component and the hard X-ray photon index $Gamma$ can be matched well by our model.
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