Who are the quality customers of bank loans? At present, many banks have issued loan confirmation standards and preferential rules for interest rate discounts. So, who are the quality customers of bank loans? "Quality customer" is one of the most common thresholds for banks. \x0d\ Excellent occupations include (excluding business personnel whose main income is sales income): \x0d\ 1. Civil servant: refers to the staff who perform public duties in state organs according to law, are included in the state administrative establishment, and are paid by the state finance, including judges and prosecutors of judicial organs, except active servicemen; \x0d\ 2。 Staff of public welfare institutions: refers to the staff of public welfare institutions such as schools and hospitals who are included in the establishment of their undertakings and are paid all or part of their wages and benefits by the state finance; \x0d\ 3。 Staff of social institutions: refers to the official staff of social institutions. Social public utilities refer to state-owned units with clear objectives, scale and system, products or services for the use of the public or unspecified people and having an impact on social development. Including public utilities such as water supply, water saving, drainage, electric power, heating, gas supply, public transportation, telecommunications, postal services, environmental sanitation, ports, airports, underground public facilities and their ancillary facilities; \x0d\ 4。 Official employees of listed companies: listed companies include domestic and foreign listed companies, social public institutions and subsidiaries of listed companies in the financial industry. But it does not include other listed companies, ST listed companies and subsidiaries of GEM companies. Moreover, overseas listed companies need to check the relevant websites through credit investigators for confirmation; \x0d\ 5。 Financial industry personnel: including the official staff of banks, securities companies and insurance companies; \x0d\ 6。 Full-time employees of wholly state-owned monopoly industries or leading enterprises in industries (information is required to prove that they rank among the top three in the industry), such as tobacco companies. \x0d\ Persons who need to be recognized as excellent occupations outside the above provisions shall be recognized by the Retail Risk Management Department of the Bank. If the borrower is an employee of the above-mentioned company and has a good credit record, there is a great chance of obtaining a bank loan.