1. It is required to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been basically paid off. If not, the repayment plan approved by the lender has been formulated.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3. basic account or general deposit account has been opened in rural credit cooperatives, and a certain amount of payment deposit has been reserved in this account.