Usually, banks will focus on the credit review of small and medium-sized enterprises that issue loans. First, the settlement credit and loan credit are reviewed, followed by commercial credit, financial credit and tax credit. Only after the enterprise's credit review has passed can the enterprise qualify for loans. Enterprises with the above qualifications shall submit these materials according to the requirements of the bank: loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, special industry production and operation license, qualification certificate, articles of association, capital verification report, introduction of legal representative, corporate loan ID card, legal representative identity certificate issued by the company and other materials required by the bank. After that, it can be submitted to the bank for review, and the bank can make a loan after review.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 Interest on a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.