1. If an individual applies for a loan, it should take the economic entity it operates as the evaluation object. At the same time, the following conditions must be met:

(a) the city's household registration, under the age of 35, party member or recent college graduates are preferred;

(two) young people who meet the industrial development policy of Zhongshan City or start their own businesses for the first time are preferred;

(three) has a good reputation, good conduct, no bad record or bad habits;

(four) business projects have never enjoyed preferential policies on venture capital discount;

(5) Other conditions required by Zhongshan Rural Commercial Bank.

2. To apply for a loan in the name of an economic entity run by a young entrepreneur, the following conditions shall be met:

(1) Holding a valid business license, organization code certificate, tax registration certificate and relevant business licenses;

(two) the main business premises and registered place are within the scope of this Municipality, and the operator or legal representative has the household registration in this Municipality;

(three) engaged in legitimate production and business activities, normal management, products have a market, operating profits, and have good development potential;

(4) Having a legal and stable source of income and the ability to repay the principal and interest on schedule;

(five) to open a settlement account in Zhongshan Rural Commercial Bank and hold a loan card issued by the People's Bank of China that has passed the annual inspection;

(6) The enterprise and its investors have no bad credit records;

(7) The post-loan asset-liability ratio is less than 70%;

(8) Providing guarantees recognized by Zhongshan Rural Commercial Bank;

(9) Other conditions stipulated by Zhongshan Rural Commercial Bank.