Requirements for corporate loans:

It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;

The enterprise has a good reputation in various commercial banks and has no bad credit record;

Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;

It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;

Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;

The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

Abide by the industrial credit policies related to small businesses;

Abide by national financial regulations and policies and relevant bank regulations;

Open a basic settlement account or a general settlement account with the applicant bank.