First, the basic condition 1, the business license of the enterprise as a legal person or the business license is valid; 2. Open a basic account or general account in a credit cooperative; 3. The enterprise holds a loan card issued by the People's Bank of China; 4 obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time; 5. Having fixed business premises and facilities; 6. Sound financial management system and standardized enterprise management. Second, the loan conditions of policy rural credit cooperatives are 1, and the business activities of enterprises comply with national laws and regulations; 2, the loan object must meet the requirements of the people's Bank of China and rural credit cooperatives credit support object; 3. There is no loan relationship with other banks and credit cooperatives. Enterprises must borrow in a credit cooperative, and there is no problem of multi-head loans; 4. Enterprises shall operate within the jurisdiction of credit cooperatives that issue loans, and shall not lend across regions. Three. Feasibility of loan conditions of rural credit cooperatives 1. There are sources of raw materials, and the supply of raw materials is intentional; 2, the product quality is qualified, there is a long-term stable market, and the product sales are intentional agreements; 3. There are considerable profits and good economic benefits; 4. The enterprise has technical support for production; 5. The proportion of external liabilities to total assets of the enterprise is less than 70%. For working capital loans, the proportion of enterprise's own assets to total assets must be greater than 30%; For fixed assets loans, the proportion of enterprise's own assets to total assets must be greater than 50%; 6. Self-raised funds for new projects must be above 50%, with proof of registered capital; 7. New projects must have the approval documents of relevant departments. Four. Security of loan 1. The guarantor must have sufficient economic strength and the ability to replace the repayment of loans, and must be an enterprise with legal personality, other economic organizations, individual industrial and commercial households or a natural person with full capacity for civil conduct; 2 collateral must be fixed on the ground and easy to realize, and the loan amount must be controlled within 70% of the collateral; 3. Pledges, vouchers and rights are true and clear, and bills are legal and valid. Five, the benefit of the loan has a clear and reliable channel to repay the principal and interest of the loan. After the enterprise settles the interest every year, it can take out certain funds to repay the loan principal.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans stipulates that the application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record;