Conditions and requirements for enterprise access:

1. Guidelines for Credit Investment in Credit Factory of Bank of China Limited (2020 Edition) within the credit customer industry;

2. The enterprise has been operating continuously for more than 2 years;

3. The main business experience of the actual controller of the enterprise is more than 4 years;

4. The actual controller of the enterprise has at least one property in Guangxi under the name of himself, spouse or children;

5. Bad credit record standard: the borrower and its actual controller have no bad credit records for three consecutive periods or six cumulative periods in the last 24 months, or the amount of any period exceeds 3,000 yuan and is overdue for more than 30 days;

6, in the last two years, the tax credit rating in the tax department was rated as non-C or D, and there was no administrative punishment by the tax department because of serious circumstances or illegal crimes;

7. The tax payment in the latest year (including value-added tax and enterprise income tax) shall not be less than 300,000 yuan;

8. The main management of the enterprise has opened VIP cards and credit cards in our bank, and our wealth management center and platinum card customers can have priority;

9. The credit rating of the enterprise in our bank should be above BBB- (inclusive), and the credit rating of the proposed loan line should be above BBB- (inclusive);

10. After bank credit granting, the asset-liability ratio of manufacturing enterprises should be below 65% (inclusive), and that of commercial circulation and service enterprises should be below 70% (inclusive); The proportion of enterprises handling settlement business in our bank shall not be less than the credit share of our bank;

1 1. The actual controller (legal representative or main operator) of the company and his spouse provide personal joint liability guarantee for all credit businesses;

12. Enterprises open basic settlement accounts or general deposit accounts in our bank.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.