1. To apply for a personal business loan, the materials to be submitted include: 1. Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; 2 personal or family income and property status and other repayment ability documents; 3. Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; 4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

2. The maximum amount of venture loan shall not exceed 70% of the total working capital required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term of venture loan is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year.