1. The borrower is the legal representative or the largest shareholder or partner of a legally registered individual industrial and commercial household or enterprise;

2. The borrower is a citizen of Chinese mainland, aged 20-60;

3. The enterprise/individual industrialist has been registered for more than 2 years (inclusive), with an annual turnover of 6.5438+0.5 million-60 million;

4. The enterprise/individual has a good credit record.