1. Have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;
2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;
3 rural credit cooperatives have opened basic account or general deposit accounts, and reserved a certain amount of deposits in the accounts; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;
To apply for guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.
6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.
7. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;
8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.