(1) The borrower is a shareholder of the company's loan lead institution and has opened a deposit account in this institution.

(2) The purpose of the loan conforms to the national industrial policy, the production and operation are normal, the operating performance is good, and the loan principal and interest can be repaid on schedule.

(3) Good credit and no record of non-performing loans.

(four) to provide effective chattel, real estate and rights and interests guarantee or mortgage (pledge).

(5) Other conditions stipulated by the lender.

2, the loan review meeting to review the main contents of the loan:

(1) Whether the loan is legal and conforms to the national industrial policy and credit policy.

(2) Loan pricing and its comprehensive benefits.

(3) Loan risks and preventive measures

(4) Other contents that need to be considered according to the loan project.

3. Which of the following loan purposes does not belong to the credit business scope:

I. Office Building of Party and Government Organs

B. Logistics Park

C. Fixed assets loans in the steel and cement industries

D. convention and exhibition center

shopping mall