1) When an enterprise applies for establishing a credit relationship, it shall submit an application for establishing a credit relationship in duplicate. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The investigation contents mainly include: ① the legality of enterprise operation. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope. (2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements. ③ Whether the enterprise and its main products belong to the development sequence of national industrial policy. (4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance. ⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated. 6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term? After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises shall sign a contract to establish a credit relationship. (2) An enterprise that has established a credit relationship and applied for a loan may apply for a working capital loan from the bank according to its reasonable working capital needs in the process of production and operation. [Take an industrial production enterprise as an example] When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted. According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application. (3) loan review The main contents of the loan review are: ① the direct use of the loan. Direct uses that meet the scope of support for working capital loans of industrial enterprises are: