Legal analysis: 1. The company must be an enterprise approved and registered by the administrative department for industry and commerce. The company has a fixed business place and necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability. 3. The company has a sound financial accounting system. When making a loan, it is required to provide business statements and statistical statements to the bank. The company abides by national laws, regulations and policies and operates according to law. Other conditions: 1, a natural person aged between 18 and 65 years old, the borrower's actual age and loan application period are not more than 70 years old, he has a stable job, a stable income, the ability to repay the loan principal and interest on time, good credit information, no bad record, legal use of the loan and other conditions stipulated by the bank. Required materials 1, valid identity documents of the borrower and spouse, original and photocopy of marriage certificate, local permanent residence certificate or local long-term residence certificate of the borrower and spouse, business license for production and operation, and permission to operate. The original and photocopy of the business license of the relevant administrative department, the tax payment certificate of production and operation activities, the borrower's spouse's commitment to repayment, the pledge right certificate required by the borrower to obtain the amount of mortgage (pledge), the list of mortgage (pledge) and the ownership certificate, the written documents of the owner and property agreeing to mortgage (pledge), and the collateral evaluation report issued by the evaluation department recognized by the second-tier branch of the bank (inclusive) or above shall be provided.

Legal basis: Article 115th of the Company Law of People's Republic of China (PRC). The company may not provide loans to directors, supervisors and senior managers directly or through subsidiaries. The current company law has made strict provisions on the obligations of directors, supervisors and senior managers, requiring them to abide by and faithfully perform their duties, and not to use their position and authority in the company for personal gain. Due to the dispersion of shares, it is difficult for shareholders, especially small and medium shareholders, to supervise the directors, supervisors and senior managers of the company. In practice, the directors, supervisors and senior managers of the company provide loans to themselves through the company or its subsidiaries, transfer the company's assets and empty the company, which seriously damages the interests of the company and shareholders. In view of this situation, the newly revised Company Law has added this provision, which prohibits companies from providing loans to directors, supervisors and senior managers directly or through subsidiaries. If the company provides loans to directors, supervisors and senior managers directly or through subsidiaries, the shareholders or creditors of the company may claim that the loans are invalid and the company suffers losses. Directors, supervisors and senior managers who have obtained loans and those responsible for providing loans to them shall be liable for compensation according to law.