(2) Strong credit concept, good credit status and no bad social and commercial credit records.
(3) The age is between 20 years old (including 20 years old) and 60 years old (including 60 weeks), and he has a local hukou or has lived in the local area continuously for more than-years; Farmers' microfinance applicants must be married (including divorced or widowed), and family members must have more than two (including two) laborers.
(4) No gambling, drug abuse, alcoholism and other bad behaviors.
(5) should be engaged in production and business activities in line with national industrial policies, and should continue to operate for more than one year (including one year)
(6) The purpose of the loan is just and reasonable, and it has certain self-owned funds and management capabilities.
(7) Micro-enterprises owned by owners of micro-enterprises must be privately owned or privately controlled, and the total proportion of state-owned shares shall not exceed 49%. The state cannot directly or indirectly participate in daily management.
(8) Where individual shareholders of a limited liability company or individual partners of a partnership enterprise issue loans, the number of shareholders of the company or partners of the partnership enterprise shall not be less than 5 (including 5), and the borrower's shares in the company shall not be less than 20%.
(9) The main business place or permanent address shall, in principle, be within the effective business area specified by the superior bank, and whether it is possible to lend money across regions shall be decided by the tier-one branch independently.
Legal basis: Article 13 of the Measures for the Administration of Small Loan Business of China Postal Savings Bank: The loan applicant must meet the following basic conditions:
(1) China people are citizens of People's Republic of China (PRC) and have full capacity for civil conduct.
(two) a strong sense of credit, good credit status, no bad social and commercial credit records.
(three) aged between 20 years old (including 20 years old) and 60 years old (including 60 years old), with local hukou or continuous residence in the local area for more than-years; Farmers' microfinance applicants must be married (including divorced or widowed), and family members must have more than two (including two) laborers.
(four) no gambling, drug abuse, alcoholism and other bad behavior.
(five) should be engaged in production and business activities in line with national industrial policies, and should continue to operate for more than one year (including one year).
(six) the purpose of the loan is legal and reasonable, and it has certain self-owned funds and management capabilities.
(7) Micro-enterprises owned by owners of micro-enterprises must be privately owned or privately controlled, and the total proportion of state-owned shares shall not exceed 49%. The state cannot directly or indirectly participate in daily management.
(8) Where individual shareholders of a limited liability company or individual partners of a partnership enterprise issue loans, the number of shareholders of the company or partners of the partnership enterprise shall not be less than 5 (including 5), and the borrower's shares in the company shall not be less than 20%.
(9) The main business place or permanent address shall, in principle, be within the effective business area specified by the superior bank, and whether it is possible to lend money across regions shall be decided by the tier-one branch independently.