(a) a natural person must have a legal identity and be able to provide valid identity documents. (2) The borrowing enterprise shall be registered and established according to law. (3) The borrower or the legal representative of the borrowing enterprise shall have more than 2 years of relevant work experience; (four) good credit, the ability to repay the loan principal and interest on schedule; (5) The transaction background is true; (6) Being able to provide effective guarantee recognized by the bank; (7) Other conditions required by the bank.