1. Open a basic account or general deposit account with Industrial and Commercial Bank of China. The area where loan certificate management is implemented must hold a loan certificate issued by the People's Bank of China; To apply for loans for foreign exchange projects, you must hold import certificates or registration documents.

2. The project conforms to the national industrial policy, credit policy and bank loan investment.

3. The project has the capital ratio stipulated by the state.

4. Projects that need the approval of relevant government departments must have approval documents.

5. The borrower has good credit standing, strong solvency, perfect management system, and the proportion of foreign equity investment conforms to the relevant provisions of the state.

6. Being able to provide legal and effective guarantee.

In addition to the above conditions, according to the provisions of the General Principles of Loans, the loan object should be an enterprise (business) legal person with People's Republic of China (PRC) nationality (or authority), other economic organizations, individual industrial and commercial households or a natural person with full civil capacity. 1. Abide by the credit and have the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off;

2. Except for natural persons, the annual inspection procedures shall be handled by the administrative department for industry and commerce (competent authority);

3. basic account or general deposit account has been opened;

4. Unless otherwise stipulated by the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

5. The asset-liability ratio meets the requirements of the lender;

6. The ratio between the owner's equity of an enterprise legal person applying for medium and long-term loans and the total investment required for new projects shall not be lower than the capital ratio of investment projects stipulated by the state. 1. Does not have the qualification and basic conditions of the loan entity;

2 production, operation or investment in products and projects prohibited by the state;

3. Violating the provisions of the State on foreign exchange control;

4. The construction project has not obtained the approval document, which shall be reported to the relevant departments for approval in accordance with state regulations;

5 production, operation or investment projects without the permission of the environmental protection department;

6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, shareholding system reform, etc., the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;

7. There are other serious illegal business practices.