2017 Industrial and Commercial Bank of China Loan Conditions

1. Business companies or small and medium-sized enterprises that comply with relevant national industry standards, have relevant business scope permitted by the state, and have registration approved by the industrial and commercial administration department , have relevant business licenses that have passed the annual inspection and hold a normal loan card issued by the People's Bank of China.

2. An enterprise that has an organization code, an operation management system and a financial management system, a relevant fixed business location, a legally operating product market that maintains a profitable position, and develops and settles positive profits.

3. The operator and actual management of the enterprise have been in the business for more than three years, the enterprise is of good quality, the operator has no bad credit record, and the credit asset risk is minimum or within the normal range, or Categories of concern affected by non-financial factors.

4. Ensure the stable development of the company's operating conditions. In principle, it must be established for more than 2 years, including 2 years, and ensure at least one year of accounting annual financial reports and more than two years of sales growth. Profit is positive. Guarantee other relevant conditions stipulated by ICBC.