2. The borrower is law-abiding, honest and trustworthy, and has no bad credit record;

3. The borrower has entrepreneurial desire and a certain entrepreneurial foundation.

4. The borrower's venture capital project conforms to the national industrial policy.

5. The borrower has the ability to repay the loan principal and interest.

6. The borrower accepts the supervision of the loan bank on the funds in its account.

7. Other conditions stipulated by the lending bank.