1. The borrower is a citizen of People's Republic of China (PRC) (including Hong Kong, Macao and Taiwan) with full capacity for civil conduct, with good credit status, willingness and ability to repay, and complies with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions.
2. The borrower is not less than 18 years old and not more than 70 years old.
3. The borrower meets the relevant provisions of the Bank on anti-money laundering and sanctions compliance.
4. The borrower opens a settlement account in our bank.
5. The borrower shall not be a bank employee, a civil servant or a person managed according to the Civil Service Law.
6. Borrowers in any of the following circumstances are prohibited from entering:
(1) Its industry is prohibited or restricted by laws, regulations, regulatory provisions and relevant policies.
(2) Persons who are listed in the sanctions list issued by the competent authorities of the United Nations, the European Union, China, the United States or other places where banking institutions in China are located, and who are prohibited from communicating with banking institutions in China.
(3) Reliable information sources show that the bank has reasonable reasons to suspect or believe that he is a terrorist or a person suspected of participating in terrorism, terrorist financing and other activities, or a person suspected of participating in or being involved in money laundering, financial fraud, corruption, tax evasion, drug trafficking, intellectual property infringement or other criminal acts, or a person suspected of participating in or being involved in the proliferation of weapons of mass destruction or other sanctions violations.
(four) refusing to provide identity documents, submitting false identity documents or using other people's identity documents.
5. Persons who refuse to provide key identities and transaction information required by the Bank, or intentionally provide false identities and transaction information, or whose identities and transaction information are seriously omitted, which seriously affects the Bank's judgment on the authenticity of their identities and transaction compliance.
(6) Persons who, after comprehensive evaluation, have a high risk of money laundering or being sanctioned by customers, and it is difficult for banks to take effective risk control measures.
(7) Other personnel who are prohibited from establishing and maintaining business relations according to local laws, regulations, regulatory provisions or internal policies of various business institutions.
(8) If the entity operated by the borrower, its beneficial owner, actual controller, etc. If there are sanctions, risk prevention and control shall be carried out in accordance with some regulations and relevant documents of the Head Office on further strengthening sanctions compliance.
Operating entity conditions:
1, Buyun Tiandi, Xicheng Shoes Plaza (including Hualigong Shoes Office Building, Xicheng Tianfu Shoes Plaza, Tianfu Lishan Shoes City (including Lishan Shoes City), Xicheng Shoes City and Zhanxi Tianfu Shoes City), Xinhaopan Group (including Xinhaopan Shoes Leather Hardware Wholesale Plaza, Xinhaopan Marriott Shoes Plaza, Jiahao International Leather Hardware City, Xinhaopan)
2. The enterprise operated by the borrower is legally registered in the local administrative department for industry and commerce, or has relevant certification materials that can prove its operation in the above-mentioned access market.
3. According to the Measures for Investigating Unlicensed and Unlicensed Operation (Order No.2004), the State Council No.684), the following business activities are not unlicensed and unlicensed:
(1) Selling agricultural and sideline products and daily necessities at the place and time specified by the local people's government at or above the county level, or engaging in convenient labor services by individuals using their own skills without obtaining permission according to law.
(two) in accordance with the provisions of laws, administrative regulations and the State Council decisions, engage in business activities that do not require permission or registration.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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