Hello, if you apply for ordinary small and micro loans, the borrower needs to meet the following conditions:

1. It meets the basic requirements of our retail loan customers.

2. Do not accept loans for small and micro enterprises applied by foreigners and people from Hong Kong, Macao and Taiwan.

3 small and micro enterprise mortgage loans, the borrower or the actual controller of the borrowing enterprise should have more than 2 years of continuous business experience in the industry corresponding to the purpose of the loan; For unsecured small and micro enterprise loans (small and micro enterprise loans other than mortgage loans), the borrower or the actual controller of the borrowing enterprise should have more than 3 years of continuous business experience in the industry corresponding to the purpose of the loan.

4. The credit record of the borrower or the actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.

5. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise.

For farmers, fishermen and other natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, and operators who set up private extracurricular counseling and training institutions and law firms according to national laws and regulations, they can apply for personal business loans if they can provide relevant legal business certification materials.

6. In the loan of small and micro enterprises, the actual controller of the borrowing enterprise provides the full irrevocable joint liability guarantee for the loan.

7. The family (including spouse and minor children) of the borrower or the actual controller of the borrowing enterprise is insolvent (that is, the net assets of the family)

8. The actual controller of the borrower or the borrowing enterprise shall not be on the list of sanctions or supervision.

The operating entity/borrowing enterprise of the borrower shall meet the following conditions:

1. The borrower's operating entity or borrowing enterprise has a stable profit model and stable cash flow.

2. The borrower's business entity or borrowing enterprise has no bad business practices or employment records.

3. The borrower's business entity or borrowing enterprise must be located in the same city administrative area as the lending institution and within the effective management radius of the lending institution. Those who meet the following conditions may not be subject to this restriction:

1) The business entity or borrowing enterprise of the full mortgage borrower must be located within the administrative jurisdiction of the same city as the institution or within 50 kilometers of the institution.

2) The borrower's business entity or the borrower's location of small and micro enterprises' supply and marketing mobile loans must be located in the same province or within 50 kilometers from the agency. For small and micro enterprises that meet the industrial orientation of the Bank and whose brand enterprises belong to high-quality enterprises in various industries, after the project is approved by the Head Office, the restriction on the location of the borrower's business entity can be broken.