Legal analysis: 1. The company must be an enterprise approved and registered by the industrial and commercial administration authority. The company must have a fixed business site, necessary operating facilities, implement independent accounting, be responsible for its own profits and losses, and operate independently. Enterprises that independently bear civil liability 3. The company has a sound financial accounting system. When borrowing, it is required to provide a business operation statement and statistical reports to the bank. The company abides by national laws, regulations, and policies, and operates in accordance with the law. The national policies of the company's industry allow and encourage developing industries. Other conditions: 1. A natural person between the ages of 18 and 65. The actual age of the borrower plus the loan application period should not exceed 70 years old, with a stable career, stable income, the ability to repay the principal and interest of the loan on time, good credit, and no bad records. , the loan purpose is legal and other conditions specified by the bank. Required materials: 1. Valid identity documents of the borrower and his/her spouse, original and copy of marriage relationship certificate, local permanent residence or local long-term residence certificate of the borrower and his or her spouse, business license for production and operation, and license-based operation. The original and copy of the business license from the relevant administrative department, the tax payment certificate for production and business activities, the borrower's spouse's promise to repay the loan simultaneously, the pledge rights certificate required by the borrower to obtain the pledge and mortgage loan amount, A list of mortgages and ownership certificates, the owner and the person who agrees to pledge the property, a written document of the mortgage, and a collateral valuation report issued by an appraisal department recognized by the bank’s secondary branch (including) or above.

Legal basis: "Company Law of the People's Republic of China" Article 115 A company shall not provide loans to directors, supervisors, or senior managers directly or through subsidiaries. The current Company Law stipulates the obligations of directors, supervisors, and senior managers strictly, requiring them to abide by them, perform their duties faithfully, and not use their position and authority in the company to seek personal gain for themselves. Due to the relatively dispersed ownership, it is difficult for shareholders, especially small and medium-sized shareholders, to conduct necessary supervision over the company's directors, supervisors, and senior managers. In practice, the company's directors, supervisors, and senior managers provide themselves with loans through the company or its subsidiaries, transfer the company's assets, and hollow out the company's assets. There are many phenomena in the company, which seriously damage the interests of the company and shareholders. In response to this situation, the newly revised Company Law has added this provision, which prohibits companies from providing loans to directors, supervisors, and senior managers directly or through subsidiaries. If a company directly or through a subsidiary provides loans to its directors, supervisors, and senior managers, the company's shareholders or creditors may claim that the borrowing is invalid. If the company suffers losses as a result, the directors, supervisors, senior managers who received the loans, and the counterparty directors, Directors and senior managers responsible for providing loans by supervisors and senior managers shall bear liability for compensation in accordance with the law.

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