1. The enterprise applying for a loan must be an enterprise legal person or other economic organization that has been approved by the administrative department for industry and commerce or the competent department and has gone through the annual inspection procedures in the relevant industrial and commercial departments.

2. The projects operated by enterprises applying for loans should meet the requirements of national policies, and the capital investment should also meet the requirements of the state.

3. Enterprises should have a complete and sound financial system and be able to provide authentic and credible financial certification materials to relevant departments.

4. Enterprises can mainly open settlement accounts in Minsheng Bank.

5. Enterprises applying for loans should also be able to prove that they have the economic strength to repay the due principal and interest.

6. Enterprises applying for loans should have legal property as loan mortgage or pledge or third-party guarantee.

7. Except for individual enterprises specified by the State Council, limited liability companies and joint stock limited companies may accumulate foreign equity, which shall not exceed 50% of their net assets.

8. The enterprise has a legal and valid loan certificate.

9. Other conditions required by the bank

Mainly in the case that the bank's loan conditions have been met, apply for a loan from the bank, so that it is easier to get a loan through the bank's audit. So, this is a very important reason.