In bank loans, the three qualities refer to character, products and collateral. Because small and medium-sized enterprises lack effective financial information, third-level soft information is important reference information when banks provide loans to small and medium-sized enterprises.

1. Character. Character depends on the actual controller or legal representative of a small business, whether he is honest and trustworthy, whether the business owner has bad habits, etc.; whether his family is harmonious, whether he has a sense of family responsibility, and whether he is a good person to his spouse, children, parents, etc. Be gentle; then look at his social circle and understand his personal situation by getting to know his friends. Specifically, it includes personal experience, professional experience, marriage, children, personal hobbies, quality, diligence in running a business, management capabilities, etc.

2. Products. The product mainly depends on its repayment ability. Simply put, it depends on whether the customer's product is competitive in the market, how the product sales are, whether it has technological (technical) content, what its grade is, and whether it has high added value.

3. Collateral. The classification of collateral mainly includes the following aspects: residences (including land use rights) in the name of the borrowing enterprise, the business owner personally or other third parties, including the nature of the land and the method of obtaining the use rights, the service life of the house, the liquidity, the mortgagor Age (if a natural person), renting (without a rental declaration), and whether it is the only living residence; commercial properties and industrial plants (including land use rights) under the name of the enterprise, the business owner or other third parties, including the nature and use rights of the land Acquisition method, house service life, liquidity, age of the mortgagor (if it is a natural person), rental (not stated on leasing), whether it is the only living residence; state-owned land use rights, land use right acquisition method, use right termination date, liquidity , the age of the mortgagor (if he is a natural person), and whether there is any attached building.