1. ICBC, personal banking and corporate mobile banking have been opened.

2. The enterprise has been paying taxes for two years continuously, with good tax credit and no need to pay taxes.

3. The tax grade of the applicant enterprise is A, B and M. ..

4 enterprises and business owners have good qualifications and no bad records such as overdue.

Extended data:

"Tax loan" is a new financing product launched by our bank. This way of using credit records of small enterprises as working capital support for production and operation adapts to the characteristics of "light assets and lack of collateral" for small and micro enterprises.

At present, the "tax loan" products launched by state-owned banks are mainly suitable for enterprises that have paid taxes of not less than 200,000 yuan in the past two years (two consecutive years). The enterprise provides relevant tax payment certificates, and after the loan is independently approved by the bank, it can get a credit loan of up to 2 million yuan without mortgage guarantee. If the tax payment record is good, after investigation and approval by the bank, the loan can be released within one week at the earliest. The relevant person in charge of the loan department of the state-owned bank company told the reporter that this month, the "tax loan" products were officially introduced to the new district market, and a number of enterprises interested in adopting the "tax loan" financing model have emerged at the airport economic zone promotion matchmaking meeting. Up to now, the bank has accepted applications from 23 small and micro enterprises and issued "tax loans" of 7.3 million yuan to 6 small and micro enterprises.

Personal "tax loans" are mostly provided by foreign banks.

In addition to enterprises using tax credit records as credit collateral, some foreign banks have also launched personal "tax loans" to compete for the market. "The tax loan interest rate is very low, which is almost cheaper than a personal loan 1%. But you have to provide a personal tax payment certificate. " Xiao Yang borrowed 300,000 yuan from Citibank at a bank loan interest rate of 2% last year. She calculated an account for the reporter, with an annual interest rate of 2%, 1 year interest of 6000 yuan. At that time, she bought 300,000 one-year wealth management products with an annualized rate of return of about 5%. After one year, Xiao Yang earned nearly 10,000 yuan.

However, the reporter found that most of the "tax loans" provided by foreign banks mentioned by Xiao Yang are in Hong Kong. "Recently, many mainlanders came to Hong Kong to apply for' tax loans'. Most of our loans are in Hong Kong dollars, which is almost 65,438+0% cheaper than personal loans. Borrowing Hong Kong dollars to deposit RMB on a regular basis or buying bank wealth management products in the Mainland have good returns. " Ms. Sun, who works in the financial sector in Hong Kong, told reporters.

However, people in the banking industry said that the advantage of "tax loan" lies in unsecured loans and low interest rates. But they are all short-term loans, such as 6 months, 12 months and 24 months, so they are more suitable for enterprises or users with short-term liquidity. For example, personal loans, especially the exchange of Hong Kong dollars into RMB to buy wealth management products and obtain the intermediate price difference, need to pay attention to the risk of RMB depreciation.