Enterprise credit loans application conditions

1. First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

2. Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio has been controlled in a good range of 60%, and the cash flow has been sufficient and stable.

3. Third, the enterprise promises not to set mortgage (pledge) or provide external guarantee for others with its effective operating assets, or obtain the consent of the lending bank before handling mortgage (pledge) and providing external guarantee;

4. Invoicing (VAT invoice), annual report for two years, monthly report for the latest month, and invoice status for the latest half year.

5. Fourth, the operation and management are standardized, and there are no bad credit records such as debt evasion and interest arrears.