Legal analysis: 1. The ratio of net assets to year-end loan balance must be greater than 100 (real estate companies can be greater than 80); 2. The asset-liability ratio must be less than 70, preferably less than 55; 3. The current ratio is within 150~200 is better; 4. A quick ratio of around 100 is better, and should be relaxed appropriately for small and medium-sized enterprises and should be greater than 80; 5. The total amount of guarantees should not exceed 506 of its latest audited net assets, and the cash-to-loan ratio should be greater than 30 ; 7. The net cash flow generated by the company's operating activities should be positive, and the cash return of its sales revenue should be above 85 to 95; 8. When the company pays for purchased goods and services during its operating activities, the cash payment rate should be above 85 to 95 ; 9. The growth rate of main business income should not be less than 8; 10. The turnover rate of accounts receivable should be greater than 6 times; 11. The inventory turnover rate of small and medium-sized enterprises should be greater than 5 times; 12. The operating profit margin should be greater than 8; 13. Net The return on assets of small and medium-sized enterprises should be greater than 5; 14. The interest coverage ratio should be greater than 400.

Legal basis: "Bank Law of the People's Republic of China"

Article 4 Commercial banks shall operate independently based on the operating principles of safety, liquidity and efficiency. Take your own risks, be responsible for your own profits and losses, and exercise self-discipline. Commercial banks conduct business in accordance with the law and are not subject to interference by any unit or individual. A commercial bank shall bear civil liability independently with all its legal person property.

Article 5: Commercial banks’ business dealings with customers shall abide by the principles of equality, voluntariness, fairness and good faith.

Article 11 The establishment of a commercial bank shall be subject to review and approval by the banking regulatory authority of the State Council. Without the approval of the banking regulatory authority of the State Council, no unit or individual may engage in commercial banking business such as accepting deposits from the public, and no unit may use the word "bank" in its name.

Article 12 To establish a commercial bank, the following conditions must be met: (1) Have a charter that complies with the provisions of this Law and the "Company Law of the People's Republic of China"; (2) Have a charter that complies with this Law; The prescribed minimum registered capital; (3) having directors and senior managers with professional knowledge and business experience; (4) having a sound organizational structure and management system; (5) having business premises and safety precautions that meet the requirements measures and other facilities related to the business. The establishment of a commercial bank must also meet other prudential conditions.