1. First, it was established with the approval of the competent department and held a business license issued by the administrative department for industry and commerce at or above the county level. For the products managed by the State industrial production license, the enterprise must obtain the production license, that is, the loan object should be legal.

2. Second, the implementation of independent economic accounting, with the autonomy of capital utilization, production and operation management, that is, the loan object obtains the legal person qualification and bears clear economic responsibilities.

3. Finally, we have some self-owned liquidity and established a supplementary liquidity system, that is, the loan object should have the ability to operate normally and take risks, open an account in the bank, and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of Mu Yuan Express Loan.