It conforms to the national industry and industrial policy and does not belong to high pollution.

The enterprise has a good reputation in various commercial banks and has no bad credit record;

Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, and holding a loan card for regular annual inspection;

It has the necessary organization, management system and financial office for legal operation, and its products are marketable and profitable;

Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;

The enterprise has been operating for more than 3 years, with good quality and no bad personal credit record;

The operation of the enterprise is stable, and the establishment period is reported within 2 years (inclusive) in principle, with sales revenue growth and positive gross profit for 2 consecutive years;

Abide by the industrial credit policies related to small businesses;

Abide by national financial regulations and policies and relevant bank regulations;

Open a basic settlement account or a general settlement account with the applicant bank.

Second, what are the conditions for short-term borrowing?

Whether it is short-term borrowing or long-term borrowing, the relevant laws stipulate the loan period. In practice, not all enterprises can make short-term loans, which requires corresponding conditions, and it is enough to meet the conditions. Banks often have certain conditions for issuing short-term loans. It mainly includes: 1, credit line. Credit line is the maximum amount of unsecured loans provided by banks to borrowers. The validity period of the credit line is usually 1 year, but it can be extended 1 year according to the situation. Generally speaking, enterprises can use bank loans at any time within the approved credit limit. However, banks are not obliged to provide all credit lines. If the reputation of the enterprise deteriorates, even if the bank has agreed to provide loans according to the credit line, it may not get loans. At this time, the bank will not bear legal responsibility. 2. Revolving credit agreement. Revolving credit agreement is a kind of loan agreement, and banks are legally obliged to provide no more than the maximum amount. During the validity period of the agreement, the bank must meet the loan requirements of the enterprise at any time as long as the total loan amount of the enterprise does not exceed the maximum limit. When an enterprise enjoys a revolving credit agreement, it usually pays a commitment fee to the bank for the unused part of the loan amount. 3. Compensatory balance. Compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%). From the bank's point of view, the compensatory balance can reduce the loan risk and compensate the loan losses suffered. For borrowing enterprises, the compensatory balance increases the real interest rate of borrowing. 4. Loan mortgage. Banks sometimes need collateral to guarantee loans to enterprises with high financial risks, so as to reduce their loss risk. The collateral of short-term loans is often accounts receivable, inventory, stocks, bonds, etc. of borrowing enterprises. After the bank accepts the collateral, it will decide the loan amount according to the value of the collateral. -The ship is 30% to 90% of the face value of the collateral. The level of this ratio depends on the liquidity of collateral and the risk preference of banks. Therefore, the cost of mortgage loans is usually higher than that of non-mortgage loans. Enterprises that provide collateral to lenders will limit the use of their property and their future lending ability. 5. repayment conditions. There are two repayment methods: one-time repayment at maturity and regular (monthly, quarterly) equal repayment during the loan period. Generally speaking, enterprises do not want to adopt the latter repayment method, because it will increase the real interest rate of loans. Banks don't want to use the former repayment method, because it will increase the financial burden of enterprises and increase the risk of non-repayment of enterprises; At the same time, it will lower the real loan interest rate. Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

3. What are the conditions for ICBC's personal employment loan?

Personal employment loan of China Industrial and Commercial Bank is a small short-term RMB loan issued by China Industrial and Commercial Bank to customers for their legitimate business activities or their business entities. The loan must meet the following conditions: a natural person with full capacity for civil conduct, aged between (inclusive) and one year old (inclusive), with legal and valid identification and proof of marital status. Get D grade (inclusive) in ICBC. Credit rating above, with legal business qualifications and fixed business premises, able to provide business licenses of individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, business licenses of merchants, booth cards and other business licenses, or other legal and effective business qualifications and property rights certificates or contract lease documents of business premises, with the ability to repay the principal and interest of loans on time and in full, and good credit record and repayment willingness. The borrower has found funds in ICBC and other places. Financial institutions have no bad credit records and can provide legal, effective and reliable loan guarantees recognized by China Industrial and Commercial Bank, as well as other conditions stipulated by China Industrial and Commercial Bank to open personal settlement accounts in China Industrial and Commercial Bank.

4. What are the conditions for short-term revolving loans?

White families pay in two days