To apply for a small loan from ICBC, the borrower must first meet the following conditions: \x0d\ 1, a natural person with full capacity for civil conduct, aged between 18 and 60 (excluding). \x0d\ If the borrower is a foreigner or a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence. \x0d\2。 Have legal and valid identification and proof of marital status. \x0d\3。 The credit rating of ICBC's personal microfinance borrower is above D (inclusive). \x0d\4。 It has a legal business qualification and a fixed business place, and can provide a legal business license (or a business license of a merchant, a stall license, an industry business license, etc.). ) and the property right certificate or contract lease certificate of the business premises. \x0d\5。 Have the ability to repay the loan principal and interest in full and on time. \x0d\6。 It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions. \x0d\7。 Besides credit guarantee, it can also provide legal, effective and reliable loan guarantee recognized by the lender. \x0d\8。 The borrower opens a personal settlement account in China Industrial and Commercial Bank. \x0d\9。 Other conditions required by the bank. \x0d\ ICBC has the following two ways of small loans: \x0d\ 1. Personal micro-loans are issued by means of guarantee or credit. \x0d\2。 To apply for a loan by means of credit, the borrower's credit rating result must be above Grade C (inclusive). \x0d\ Guarantee can take the following forms: \x0d\ 1. Natural persons with stable income sources provide joint and several liability guarantee. \x0d\2。 Take the mode of joint insurance for operators. \x0d\3。 The guarantee is provided by a professional guarantee company.