1, the enterprise has been established for more than one year, and the operating entity has good growth and is in a profitable state; 2. It has good development prospects and no bad business practices or employment records; 3. Non-credit guarantee enterprises; 4. The asset-liability ratio is less than 50%; 5. The net assets exceed 50% of the total assets.

The process of handling commercial loans:

1. The enterprise borrower applies to the bank and submits relevant materials; 2. Conduct real estate appraisal, pre-loan investigation and approval; 3. Pass the examination and approval and go through the registration formalities; 4. Banks issue loans;

5. The borrower shall repay the loan principal and interest on schedule as agreed in this contract; 6. After the loan is paid off, go through the mortgage formalities.

Materials required for applying for commercial loans:

(1), application form

Explain the purpose, amount, term, repayment source, repayment method (II), capital use and proof of repayment source of the loan.

Economic contracts, purchase and sale contracts or other economic and commercial contracts that explain the main business performance and the use of funds (3), loan approval resolutions.

An effective resolution of the shareholders' meeting or the board of directors agreeing to the loan (4). Company profile.

Explain the historical evolution, management experience, organizational structure (including the number of employees), industry and market situation, product introduction, technology, total assets, sales volume (5), and resume of enterprise legal person.

State education, work experience, position, etc. (VI) Financial information

1, a copy of the audit report for the last two years.

2. Balance sheets, profit and loss statements, cash flow statements and tax returns for the last two years and the latest period; 3. Copies of tax receipts of the previous year and the latest issue (at least six months).

4. Main bank account number and the latest bank statement (the main settlement account has been in operation for at least six months) 5. Water and electricity charges (providing bills for the last year and the last half year) (7), credit information of enterprise legal person and major shareholders and relevant identity certificates 1, legal representative, certificate, copy of ID card and copy of marriage certificate 2. List of assets of the enterprise, actual controller and major shareholders.

3. Inquire about the record of the loan card, and print the personal credit report of the legal representative and family members of major shareholders from the loan bank.

(8), the basic information of the normal operation of enterprises

1. Copies of business license, organization code certificate, tax registration certificate and account opening permit after annual inspection;

2. A copy of the articles of association effectively filed; The partnership enterprise must also provide a copy of the partnership agreement, and the contracting and leasing enterprise must also provide a copy of the contracting and leasing agreement;

3. Copy of capital verification report (at the time of establishment and all previous changes); 4, industrial and commercial query information "enterprise registration information form";

5. For special industries specified by the state, provide the license, approval or filing documents of the competent department; Copies of valid business license, qualification certificate and patent certificate of special industry;

6. If an environmental protection permit is needed, a certificate of environmental protection permit issued by the competent department must be provided.

Note: All the above materials are required for loans. Individual banks will have other required materials, and the relevant person in charge of the bank will inform them when handling them.