2. Open a basic account or general account in a credit cooperative;

3. The enterprise holds a loan card issued by the People's Bank of China;

4 obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time;

5. Having fixed business premises and facilities;

6. Sound financial management system and standardized enterprise management.

Extended Information China Development Bank is a development financial institution of the government and a national policy bank. Its loans are mainly invested in major projects such as infrastructure, basic industries, pillar industries and high-tech industries. As early as 2000, China Development Bank issued a loan of 65.438+0.75 billion yuan for the drainage system construction of Jingsha Avenue and the ancient city.

In 2003, China Development Bank agreed to provide our city with a loan of 6,543.85 billion yuan to support our city's industrial development and accelerate the infrastructure construction in new industrial district and the city. The nature of the loan is government credit loan. There are essential differences between government credit loans and traditional commercial loans.

Government credit loans do not need to be evaluated by banks one by one, nor do enterprises need to provide specific material guarantees. Instead, the local government is evaluated as a special customer, and its specific contents include credit rating, credit development evaluation, risk limit and government credit limit.

Compared with commercial bank loans, development bank loans have a long loan period, the government can make overall arrangements for funds for a long time, the repayment pressure is small, and the loan procedures are simplified compared with commercial bank loans.

Baidu encyclopedia-rural credit cooperative loan