1, the enterprise must conform to the national industrial policy;

2. The enterprise has a good reputation in commercial banks;

3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;

4. No bad credit record and ability to repay the principal and interest;

5. Abide by national financial regulations and policies and relevant bank regulations.

Material requirements:

1. Valid identity certificate, household registration certificate, marital status certificate and residence certificate of the enterprise as a legal person;

2. The annual business license, organization code certificate and tax registration certificate of the enterprise as a legal person, the continuous flow of public or private banks in the last six months, the financial statements in the last two years and the financial statements in the last month;

3. Original proof of ownership of mortgaged property;

4. Other information required by the bank.