The requirements of Laishang Bank loan for credit investigation are: no bad credit record, good debt situation, debt ratio below 50%, and no other illegal records. As long as the credit information meets the above requirements, then the user's credit information meets the application conditions. However, it is not enough to apply for a loan from Lai Shang Bank only if the credit information meets the application conditions, but also other application conditions must be met.

Different loan products have different application conditions. As long as users meet all the application conditions, they can try to apply for a loan from Lai Shang Bank.

Laishang Bank Co., Ltd. is a local joint-stock commercial bank in Laiwu City with 45 outlets. Formerly known as Laiwu Credit Cooperative, it was changed to Laiwu Commercial Bank in July 2005 and its current name was changed in 2008. Laishang Bank has 5 branches (Heze, Xuzhou, Jinan, Jining and Liaocheng), 2 branches directly under it (Linyi Pingyi and Tai 'an Xintai) and 38 branches, and adopts the management mode of head office, sub-branches and sub-branches. The head office authorizes the operation and management of branches and sub-branches, independently conducts business and accounts within the scope of authorization, and can handle deposit and loan business, settlement business, agency payment business and bank card business.