1. An enterprise must be approved by the State Administration for Industry and Commerce to be established, registered and hold a business license.
2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.
3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds.
4. Abide by the policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.
5. Profit from production and operation. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds.
6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.
7. An enterprise applying for a loan should also meet the following conditions: the original interest payable and the due loan have all been paid off, and the repayment plan recognized by the lender has been made for the outstanding loan; The borrower has gone through the annual inspection formalities in the industrial and commercial department; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's asset-liability ratio meets the loan requirements; The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the capital ratio of investment projects stipulated by the state.