1. Borrower: individual industrial and commercial households and small private entrepreneurs.

2. Work experience: more than 1 year of operation.

3. Credit requirements: Good credit record.

Two, Minsheng Bank self-employed loan application materials:

1, borrower's ID card, spouse's ID card

2. Work certificates of the borrower and his spouse.

3 proof of income of the borrower and his spouse.

4. The household registration book or household registration certificate of the borrower and spouse.

5. Proof of the borrower's assets

6. Business license, national tax registration certificate, organization code certificate and the last two industrial and commercial management fees.

7. Bank statements for the past six months

8. Proof of loan purpose (renovation contract, car purchase contract, etc.). )

9, the borrower's office lease contract; Guarantor ID card and spouse ID card

10, guarantor's work certificate and spouse's work certificate

1 1, income certificate of guarantor and spouse.

12, asset certificate of guarantor

13, the bank statement of the guarantor in the last six months.

14, guarantor's business license

15, Guarantor's office lease contract

Three, Minsheng Bank self-employed loan processing flow:

The bank examines the written loan application, purchase and sale contract and related financial statements submitted by the applicant, examines and authenticates the loan guarantee or loan collateral information submitted by the applicant, conducts on-the-spot investigation before the loan, and then makes a decision on whether to approve the loan.

If the loan application is approved, the applicant should also apply for a loan certificate in the financial management department of the local people's bank of counties and cities, and open a basic or auxiliary settlement account in the bank that issued the loan;

At this time, the loan bank will transfer the loan funds to the opened account, and the applicant will use the loan funds according to the loan application.