1, enterprise business license;
2. Organization code certificate;
3. National tax certificate;
4. Account opening permit;
4. Loan card (get the application form from the People's Bank of China, and then apply for bank seal in the basic settlement account of the enterprise);
5. Audited annual financial statements for two consecutive years;
6. Latest unaudited monthly financial statements.
Microfinance requires the following processes:
1. The borrower shall apply to the bank outlets offering small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3. Sign a loan contract with the bank through the examination and approval of the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.