Legal analysis: The borrower is a citizen of People's Republic of China (PRC), with full capacity for civil conduct, clear purpose, reasonable application amount, term and currency, and the borrower has the willingness and ability to repay. 2. Good credit and repayment ability. 3. It is not used for debt repayment or investment.

Legal basis: Article 20 of the Law of People's Republic of China (PRC) Municipality on Township Enterprises The state encourages and supports the development of township enterprises by means of credit. For township enterprises that meet one of the conditions stipulated in the preceding article and meet the loan conditions, the relevant state financial institutions may give priority to loans, and preferential loans may be given to those with difficulties in production funds and prospects for development. The specific measures for preferential loans and preferential loans mentioned in the preceding paragraph shall be formulated by the State Council.