In order to standardize the operating behavior of working capital loan business of banking financial institutions, strengthen the prudent management of working capital loans, and promote the healthy development of working capital loan business, according to the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations, working capital loans refer to local and foreign currencies issued by lenders to enterprises (institutions) or other organizations that can be used as borrowers according to state regulations.

To apply for a working capital loan, the following conditions shall be met:

1. The borrower is legally established; ?

2. The purpose of the loan is clear and legal; ?

Three. The production and operation of the borrower are legal and compliant; ?

Four, the borrower has the ability to continue to operate, there is a legitimate source of repayment; ?

5. The borrower's credit status is good and there is no significant bad credit record; ?

6. Other conditions required by the lender.

The competent department of bank loans shall adopt a combination of on-site and off-site methods, and the investigation and verification shall include but not be limited to the following contents:

1. Organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower; Two, the borrower's business scope, core business, production and operation, business planning and major investment plans during the loan period; 3. The industry status of the borrower; ?

Four, the borrower's accounts receivable, accounts payable, inventory and other real financial conditions;

V. The borrower's total working capital requirements and existing financing liabilities; ?

Related parties and related transactions of intransitive verb borrowers; ?

Seven. The specific purpose of the loan and the occupation of counterparty funds related to the loan purpose; ?

Eight, the source of repayment, including cash flow, comprehensive income and other legitimate income generated by production and operation; ?

Nine, for secured working capital loans, it is necessary to investigate the ownership, value and difficulty of realizing the collateral, or the qualification and guarantee ability of the guarantor.