1. What industries are prohibited from lending?
1. The bank clearly stipulates that industries prohibited by law, such as gambling drugs, illegal and criminal industries, illegal pyramid schemes, escort public relations industries, unlicensed mobile vendors, etc., all belong to the types rejected by the bank.
2. Individual sensitive industries, such as employees of financial institutions, news media, law firm industries, urban management and law enforcement teams of public security organs, and customs fire control.
3. Institutions related to the financial industry, such as collection companies, P2P companies, small loan companies, guarantee companies, investment consulting companies and loan intermediaries.
4. The company or enterprise employed by the borrower must have a formal business license. If it is found that there is no qualification certificate, it is easy to be rejected.
5. Real estate agent.
6. Entertainment industries, such as KTV, bars, nightclubs, baths, foot baths, clubs, folk skin care shops, nail shops, tattoo shops, Internet cafes, game halls, gyms, etc.
7. Direct selling enterprises not approved by the Ministry of Commerce, except Amway, Unlimited and other direct selling enterprises approved by the Ministry of Commerce.
8, engineering installation, construction engineering.
2. Which industries are favored by banks?
The main features are stable work income, good welfare and strong stability.
1. There are many state administrative staff, except some of them, whose wages and benefits are paid by the state finance.
2, high welfare institutions, such as water supply, water saving, drainage, power supply, heating, gas supply, public transportation, telecommunications, etc.
3. Middle and senior managers in monopoly industries or leading enterprises in industries.