1, basic introduction. There are many things to see whether an enterprise meets the basic conditions of bank loans, such as: whether the credit information of the enterprise and its legal representative is good; Whether the business life of the enterprise is up to standard, whether the business scope and loan purpose of the enterprise are up to standard.

2, look at the business situation. The local scale of the enterprise, its position in the industry, whether the upstream and downstream relationship of the enterprise is stable, and whether there are any industries prohibited by the state; Whether the financial situation of the enterprise is stable, and how the liabilities, net assets and cash flow of the enterprise are.

3. The solvency of the enterprise. Mainly depends on the enterprise's asset-liability ratio, current ratio, quick freezing rate, accounts receivable, asset operation speed, enterprise's bank flow and so on.

4. Look at the enterprise's safeguard measures. How is the collateral, whether it is sufficient, and whether it is easy to realize; Whether there is a guarantee company's guarantee to judge whether to give loans to enterprises. Investment is risky, please make a careful decision.