Hello, if you are interested in our loans, small and micro enterprise loans (operating loans) refer to corporate loans and personal operating loans of small and micro enterprises with credit lines below 5 million yuan (inclusive). If you want to handle or learn more about the loan business of small and micro enterprises, you can contact the local branch or personal loan department of China Merchants Bank to apply or learn more. Or please click here to go to/cmloan/shengyiloanapply.aspx? Click here to fill in the relevant information, and someone in our bank will contact you.

The borrower needs to be the actual controller of the enterprise: refers to the natural person who can actually control and dominate the operation and management of the enterprise, and generally refers to the individual shareholder who holds more than 50% of the shares/equity capital of the enterprise; Or although the shareholding ratio is less than 50%, it is the single largest shareholder; Or does not meet the first two conditions, but has a resolution of the shareholders' meeting and a written certificate issued by the legal representative to prove that it is the actual controller of the enterprise, in which the number of signatories to the resolution of the shareholders' meeting accounts for not less than 2/3 of the total number of shareholders, and meets the requirements of the company's articles of association for decision-making power on major issues. Public officials and minority shareholders who are not allowed to do business according to laws and regulations may not apply for loans from banks for small and micro enterprises.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.