Legal analysis: Generally speaking, the business license requires more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months. In addition, if the loan is secured, relevant information of the guarantor is required, and other information required by the bank may need to be prepared.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 78 of the Civil Code of People's Republic of China (PRC), a profit-making legal person established according to law shall be issued a business license by the registration authority. The date of issuance of the business license is the date of establishment of the profit-making legal person.