1, which is in line with the basic conditions for lending banks to handle loans and the relevant provisions on credit policy access of lending banks.

2. The credit status is good, and the credit rating of the lending bank in that year is good.

3. The weighted risk value of financing shall not exceed the approved credit line.

4. The latest quality of all financing of the lending bank is classified as normal or concerned.

5. Good operating and financial conditions, stable operation in the future repayment period, and the ability to repay the loan principal and interest on schedule. If it is a project loan or a real estate loan, the project should have good prospects, have sufficient and stable repayment sources, and be able to repay the principal and interest normally.