Micro-enterprise loan is a kind of small and medium-sized micro-enterprise loan. It is a loan issued by a bank to small and medium-sized enterprises to supplement their working capital turnover, expand production and operation, purchase production equipment and make other uses according to law. The business characteristics of loans for small and micro enterprises are simple procedures, quick flow, one-time approval, ready use, balance control and revolving use.

The loan target of small and micro enterprise loans is small and medium-sized micro enterprises within the jurisdiction of the bank, registered in the market supervision and management department and obtained the corresponding legal operation authority, and the operation period is more than two years. The loan method is credit or guarantee. The loan amount is comprehensively determined according to the borrower's credit standing, production and operation, guarantee method, loan purpose and solvency. In addition, the term of credit and secured loans for micro-enterprises shall not exceed 3 years, and the term of mortgage loans shall not exceed 5 years. The repayment methods of micro-enterprise loans include matching the principal and interest on a monthly basis, paying interest on a monthly basis, repaying the principal in one lump sum at maturity (one-year loan), paying interest on a monthly basis, and repaying the principal by installments.

Customers who need to apply for micro-enterprise loans need to prepare the following loan information:

1, loan application.

2. Valid identification and marriage certification materials.

3. Unified social credit code certificate.

4. Shareholders' resolutions.

5, production and operation and loan use certification materials.

6. Handle mortgage (pledge) loans and provide mortgage (pledge) materials; For secured loans, it is equivalent to the standard for the borrower to provide relevant information of the guarantor.

7. Other information required by the bank.