Hello, our bank currently offers business loans for business purposes. I will provide relevant information for your reference.

The borrower needs to be the actual controller of the enterprise: refers to the natural person who can actually dominate and control the operation and management of the enterprise, generally refers to the individual shareholder who holds more than 50% (inclusive) of the shares/equity capital of the enterprise; or the shareholding ratio is less than 50%

%, but is the single largest shareholder; or does not meet the first two conditions, but has a shareholders' meeting resolution and a written certificate issued by a legal representative to prove that he is the actual controller of the enterprise, among which the number of signatories to the shareholders' meeting resolution accounts for the total number of shareholders

Not less than 2/3, and in line with the requirements of the company’s articles of association for decision-making power on major matters.

Public officials and minor shareholders who are prohibited from doing business according to laws and regulations are not allowed to apply for small and micro enterprise loans from our bank.

The maximum amount of credit/single loan shall not exceed 10 million yuan. The borrower/actual controller of the borrowing enterprise must meet the following conditions: 1. A citizen of the People's Republic of China with full capacity for civil conduct.

2. With legal and valid identity certificate, age plus credit/single loan period shall in principle not exceed 60 years old, and the maximum shall not exceed 70 years old.

3. Have the ability to repay the principal and interest of the loan on time, abide by the law, be honest and trustworthy, have no illegal conduct, and are not currently involved in any criminal cases or adverse civil cases.

4. The borrower/actual controller of the borrowing enterprise should have more than 3 years (inclusive) of continuous successful operating experience in the industry corresponding to the purpose of the loan. If any of the following conditions are met, the extension can be relaxed to 2 years: 1) Small businesses with sufficient real estate mortgage

Micro business mortgages.

2) Additional small and micro enterprise mortgage loans that are jointly and severally guaranteed by a professional guarantee company, jointly and severally guaranteed by natural persons, or jointly guaranteed by natural persons.

3) The guarantee method is a joint guarantee by a professional guarantee company, a joint guarantee by natural persons, or a supporting loan for small and micro enterprises jointly guaranteed by natural persons.

5. The credit record of the borrower/actual controller of the borrowing enterprise should be level three or above (inclusive). No credit record is deemed to be level two credit record.

6. For personal business loans, the borrower must be one of the top three shareholders of the borrower's operating entity and hold more than 10% of the shares (inclusive), or the borrower must be the actual controller of the enterprise.

Natural persons who engage in legal production and operations but do not need to apply for a business license according to current policies, such as farmers, fishermen and other natural persons who operate legally and can provide proof of legal operations, can also apply for personal business loans.

7. For corporate loans to small and micro enterprises, the actual controller of the borrowing enterprise must provide an irrevocable joint liability guarantee for the entire loan process.

The borrower's operating entity/borrowing enterprise must meet the following conditions: 1. The borrower's operating entity/borrowing enterprise has a stable profit model and stable cash flow.

2. The borrower’s operating entity/borrowing enterprise has no bad business behavior or business record.

3. The location of the borrower's operating entity/borrowing enterprise must be in the same urban administrative jurisdiction as the loan agency, and within the effective management radius of the loan agency.

Those who meet the following conditions are not subject to this restriction: 1) For small and micro enterprise loans with sufficient real estate mortgage, the borrower's operating entity/borrowing enterprise must be located in the same city administrative jurisdiction as the handling institution or within a 2-hour drive of the handling institution

within range.

2) The location of the borrower's operating entity/borrowing enterprise for small and micro enterprise supply and sales flow loans must be in the same province as the handling institution or within a 2-hour drive of the handling institution.

4. Enterprises borrowing corporate loans from small and micro enterprises must also meet the following conditions: 1) They must have legal entity qualifications, hold a valid business license, have applied for a loan card and have passed the annual review.

2) The borrowing company has a good reputation. When applying for a loan, the loan card shows that the company currently has no bad loans and no illegal activities (including but not limited to industrial and commercial, tax, price administrative penalties, etc.).

Overdue interest or interest arrears due to bank data reporting errors, delayed data updates and other non-subjective reasons of the enterprise may not be included in the non-performing loan record if written proof can be provided.

Loan purpose regulations: The loan can only be used for working capital turnover or fixed asset investment of the borrower's operating entity/borrowing enterprise.

(1) Fixed asset investment loans can only be used by the borrower's operating entities/borrowing enterprises for fixed asset investment purposes such as new construction, expansion, renovation, development, and purchase.

Corporate loans to small and micro enterprises used for investment in fixed assets should comply with the relevant regulations on fixed asset loans by the regulatory authorities.

(2) Loans may not be used for corporate equity investment; they may not enter the stock, futures and other securities markets; they may not be used to purchase housing; they may not be used for real estate development in disguise; they may not be used for borrowing to obtain illegal income; they may not be used for loans prohibited by the state

Other areas of production and operation; shall not be used in areas that violate national laws and regulations and regulatory authorities prohibit bank loans from entering.