1. The age limit of the loan guarantor is: the age must be 18 years old and the sum of the ages of the loan term is less than 65 years old. 2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. .

Legal objectivity:

The pledged lender must meet the condition of 1, and must be an enterprise, institution and legal person approved and registered by the administrative department for industry and commerce, and go through the tax registration and annual inspection procedures according to the regulations; 2. There is a market for products, and the production and operation are profitable. Do not misappropriate credit funds and abide by credit; 3. It has the ability to repay the principal and interest on schedule, and the original loan principal and interest payable and the loan due have all been paid off; 4. If there is no repayment, a repayment plan approved by the bank has been formulated; 5. According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above Grade A; 6. basic account or general deposit account has been opened in the bank; 7. Unless otherwise stipulated by the State Council, the cumulative foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; 8. The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank; Projects applying for medium-and long-term loans must be approved by the competent department of the state, and the proportion of the owner's rights and interests of enterprises as legal persons in the total investment of new projects shall not be lower than the capital ratio of investment projects stipulated by the state. The movable property or rights as the pledge must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the pledger must enjoy the ownership or disposal right of the pledge according to law, and make a written commitment to our bank to provide the borrower with pledge guarantee. Where securities such as bank drafts, bank acceptance bills, cheques, promissory notes, certificates of deposit and treasury bills are pledged, the maximum pledge rate shall not exceed 90%; Movable property, legally transferable shares (stocks), commercial acceptance bills, warehouse receipts, bills of lading, etc. Pledged, the pledge rate shall not exceed 70%; Where other movable property or rights are pledged, the pledge rate shall not exceed 50% at most.