I. Conditions:

1, with abundant cash flow.

2. Small and micro business owners have good credit.

This enterprise has been very successful for more than two years.

4. Be able to provide effective financial proof.

5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.

6. Other conditions required by the bank.

Second, the process of small and micro enterprises applying for credit loans:

1. application

① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)

(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).

③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.

(4) Mortgage situation, other relevant legal documents and letters, etc.

Step 2 review

(1) project

② Credit evaluation

③ Feasibility analysis

④ Comprehensive judgment

⑤ Pre-loan review

3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.

4. Lending

After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.

Extended data:

Solve the loan problem of small and micro enterprises;

First of all, all participants should focus on inclusive finance as a strategy. Put forward the development strategy of inclusive finance. Further strengthen the supply of financial resources, talents and technical support, arrange the scale of special loans, support incentive fees, and build a top-down organizational system in inclusive finance. Nearly10.5 million outlets in the whole bank can provide services for small and micro enterprises, which is real.

Second, make good use of financial technology to solve the financing problem. Through financial technology, a new service model with data, accuracy, automation and intelligence has been created.

The first is to use big data technology to solve the problem of information asymmetry. Based on the "new generation" core system of CCB, we will integrate the information of small and micro enterprises and business owners, widely connect with external public information such as taxation, industry and commerce, evaluate customer credit, and obtain customers in batches accurately.

The second is to rebuild business processes and create a "three ones" credit model. Innovate "small and micro fast loans", realize automatic approval, and build a credit model of "one-minute" financing, "one-stop" service and "one-price" charging, so as to improve financing efficiency and reduce comprehensive costs.

The third is to implement intelligent risk management and control. The risk bottom line and risk control standards are embedded in the system, and the whole process risk control mechanisms such as big data selection and risk control, risk elimination of modeling system, intelligent early warning and risk avoidance are established. At present, "micro-fast loan" has provided loans of more than 530 billion yuan to more than 450,000 customers, 80% of which are credit loans, and the non-performing rate has remained at a low level.

Third, continuously enrich the service connotation and expand the service extension. Build an open platform, integrate inclusive services into the production and life scenes of small and micro enterprises, and provide services such as industry and market inquiry, transaction matching and mergers and acquisitions.