Hard indicators are determined according to the scale of the enterprise, such as the number of employees and the number of professionals. Financial data, such as income (profit) growth, debt structure, accounts receivable, inventory turnover, creditor's rights, equity investment, etc. Generally, the annual report for three consecutive years and the monthly report for the latest month shall prevail.

Soft indicators: such as team introduction, CEO's word of mouth, boss's word of mouth, others, such as whether the annual report has been audited by the four major accounting firms (this is a plus item)

There is also an excellent record of loan cards.

Integrity of other documents, such as business license, environmental protection approval, production capacity approval, safety license, etc.

There are also business records of the company and CCB. Deposit amount, intermediate business volume, possible future business volume, etc.

Whether the loan is a project encouraged by the state. If agriculture is convenient, it will be much easier. If it is restricted by the state, it is estimated that both high-tech enterprises and real estate enterprises are hopeless.