Yes, if an individual businessman applies for a loan in the post office, a business license is required. Whether a Postal Savings Bank loan requires a business license depends on the type of loan. If it is a personal credit loan, a business license is not required. If you apply for a merchant loan, you will definitely need a business license.

A business license is a certificate issued by the industrial and commercial administration authority to industrial and commercial enterprises and individual traders allowing them to engage in certain production and business activities. Its format is uniformly stipulated by the State Administration for Industry and Commerce.

The registration matters are: name, address, person in charge, amount of funds, economic composition, business scope, business method, number of employees, business period, etc. The business license is divided into original and duplicate, both of which have the same legal effect. The original copy shall be placed in a conspicuous place at the company's residence or business premises, and the business license shall not be forged, altered, rented, lent or transferred.

Industrial and commercial enterprises or self-employed individuals without a business license are not allowed to open their business. They are not allowed to engrave official seals, sign contracts, register trademarks, or publish advertisements. They are not allowed to open bank accounts.

The original and duplicate copies of the business license have the same legal effect and there is no difference in substance. If we talk about the difference, it is just the appearance. In terms of use, the original copy "must be hung" in a conspicuous place in the business premises, otherwise you may be punished for not hanging the license; copies are generally used for business when going out, such as: applying for a bank account opening license, signing a contract, etc. .

After receiving the business license, you cannot start business immediately. You must also handle the following matters:

1. Apply for tax registration;

2. Go to the industrial and commercial office to complete the procedures. ;

3. Receive the purchase invoice.

According to the "Measures for the Registration and Management of Individual Industrial and Commercial Households" (Draft for Public Comments) recently drafted by the State Administration for Industry and Commerce, the business license of an individual industrial and commercial household is valid for up to 4 years; The validity period of the business license is determined by the period of use, and the minimum validity period is 6 months. Individual industrial and commercial households shall apply to the registration authority for a new business license within one month before the expiration of the business license, and the registration authority shall renew it in a timely manner in accordance with the law.