1. Self-employed persons, micro-enterprises or micro-enterprise owners with independent legal business qualifications. The market is mainly in six districts of Hangzhou, including Xiaoshan, Lin 'an, Fuyang and other surrounding areas of Hangzhou.
2. Mainly in the form of joint guarantee, producing at least 3 households (inclusive) and trading at least 5 households (inclusive), and a single borrower can only join one joint guarantee group. The customers of the UNPROFOR Group know each other. After signing the contract, they must bear the same repayment responsibility.
3. Customer qualification: If there are fixed assets within the scope of Greater Hangzhou (a real estate mortgage contract or three real estate licenses must be provided), a vehicle driving license must be provided.
4. Operating for more than 3 years (including the main business of small enterprises), with clear property rights and good operating conditions.
5. The number of financial institutions whose customers have credit relations with other banks should be within 3 (inclusive), excluding auto loans and housing loans.
6. There must be a borrower, which can be: spouse, parents, relatives; It can be single or multiple.
7. Entertainment services such as hotels, ktv, Internet cafes and hair salons are prohibited.