The application conditions for operating loans include: the applicant is between 18 and 60 years old, has full capacity for civil conduct, has a fixed residence, permanent residence or valid residence certificate in the location of the lending bank, and the borrower There is no bad loan record, the borrower (or spouse) is the actual controller of the business entity, the enterprise has been approved by the industrial and commercial department and has passed the annual inspection, has a fixed business location, has been operating normally for more than one year, has no illegal activities such as tax evasion, and has a valuable mortgage Things etc.

The purpose of operating loans must be for the business activities of the enterprise. The use of operating loans must be carried out under the supervision of the bank. If the loan is found to be used for other activities, the bank will recover the remaining amount.

Operating loans are one of the ways for companies to raise funds. When an enterprise encounters a shortage of funds, the legal person can apply for an operating loan from a bank through a mortgage to relieve the enterprise's financial pressure.

The service targets of operating loans are mainly small and medium-sized enterprises and individual industrial and commercial households.