Technical transformation loans refer to loans granted by banks for technical transformation, equipment renewal and a few related civil engineering projects. (1) Loan object: All enterprises and institutions registered by the administrative department for industry and commerce, with business license, independent economic accounting, legal person qualification and repayment ability can apply for technical transformation loans from China Construction Bank. (2) loan conditions: the project applying for bank loan must conform to the national investment policy and direction, and have the project proposal (or design task book), feasibility study report (or project implementation plan) and design documents approved by the competent department; Included in the annual technical transformation investment plan; The self-raised funds of the project have been implemented in accordance with the prescribed proportion and deposited in the Construction Bank in one time or in several times; The production process is mature, the technology has reached the standard, the required raw materials, fuel and power are reliable, and the "three wastes" treatment and environmental protection measures are arranged, so that normal production can be carried out after completion and acceptance; The equipment, materials and construction forces required for the project construction have been arranged in place, which can ensure the completion and production on schedule; Products are marketable, competitive in domestic and foreign markets and have good economic benefits; The enterprise has a high management level, keeps its credit and has the ability to repay the principal and interest on schedule; It has reliable measures to bear the loan risk, and can implement a third-party guarantee unit with legal person qualification, repayment ability and independent accounting or use its own property as collateral.