(1) must be a natural person with full capacity for civil conduct, have their own fixed residence and fixed business premises in the city where the lender is located, and have been in business for more than two years (inclusive) and have a good working record;

(2) It has a good credit record in our bank, and has no bad credit records such as malicious breach of contract and evasion of debts in the credit information system of the People's Bank of China;

(3) It can provide guarantees that meet the requirements of the Bank;

(4) provide relevant materials that meet the requirements of the bank and prove the normal operation of the enterprise;

(5) Through the evaluation of our credit rating system, both personal credit rating and corporate credit rating are qualified.

Abide by our regulations;

(6) If the borrower is the business owner, in principle, the business entity managed by it will open a basic deposit account in our bank;

(7) Other conditions stipulated by the bank.

operation sequence/order

(1) The customer applies for a loan from our bank and submits the required loan information;

(2) The handling bank arranges personnel to conduct pre-loan investigation and write an investigation report;

(3) Customers who meet the loan conditions after investigation shall be reported to the competent department for examination and approval step by step according to the examination and approval authority;

(4) For approved loans, the handling bank shall sign a loan contract and corresponding guarantee contract with the customer, register the mortgage (pledge) and improve the guarantee procedures;

(five) loan, according to the purpose specified by the customer, the loan funds will be transferred to the account designated by the borrower or supplier;

(6) The customer repays the loan principal and interest on schedule.