1. Enterprise type. Banks will consider the business projects that enterprises are engaged in. If the business project is profitable or belongs to high-tech projects, it is relatively easy to apply for loans.

2 enterprise financial and operating conditions, such as operating ability, solvency, profitability, etc. ;

3. Comprehensive credit considerations of enterprises, namely: bank credit, commercial credit, financial credit and tax credit. If the credit of an enterprise meets the requirements of the bank in all aspects and there is no credit stain, it is relatively easy to apply for a small business loan.

4. The comprehensive strength of business owners. Banks should consider the personal credit records, personal assets and other information of business owners, which is also a part of the factors affecting corporate loans.

Although the above four aspects are the main determinants of the credit rating of small and micro enterprises, banks with good credit rating consider loans provided by enterprises on the one hand, and there are other factors.