20 million at most. Small and micro enterprise bank loan is a loan business launched by Postal Savings Bank for small and micro enterprise owners and individual merchants with repayment ability and capital demand.

The borrower's enterprise needs to meet the following conditions:

1. The borrower has full capacity for civil conduct;

2. Have an industrial and commercial business license;

3. It has a stable bank flow for more than half a year;

4. It is best to provide collateral recognized by the Postal Savings Bank;

5. The borrower and the person in charge of the lending institution have stable and legal income and good credit;

6. Other conditions stipulated by the local postal savings bank.