Does your department store have property rights? That is, real estate license, land certificate and so on. If you don't have a land certificate, go to your Housing Authority or Land Bureau and ask about the land where your department store is located. )

Your own department store can handle commercial loans, and I recommend you to consult Bank of Communications.

Generally speaking, the procedures to be provided are:

1. Identity certificate, household registration book and marital status certificate of the borrower and spouse.

2, the borrower or family income certificate, the main asset rights certificate.

3, the borrower's resume, enterprise production and operation (for enterprise production and operation

Personal loan), management introduction

4. Original and photocopy of loan guarantee related materials, collateral and other rights certificates.

5. There is a clear and legal loan purpose and a business legitimacy certificate consistent with the loan purpose.

Clear information, such as business license, contract, purchase and sale contract, etc.

6. Copy of business license (after annual inspection)

7. Original and copy of organization code certificate (after annual inspection)

8. A copy of the articles of association, capital verification report and ID card of the legal representative.

9. The original tax registration certificate (national tax and local tax) and a copy of the tax-paid invoice.

10, copies of audited financial statements for 2005/2006/2007 and financial statements for the latest March (accounts receivable, accounts payable, other accounts payable, inventory, fixed assets, loan details and interests)

Detailed introduction of the unit (including the purpose and repayment source of this loan, main suppliers, main sellers, settlement method and settlement cycle).