What are the conditions for small and micro enterprise loans?

Small and micro enterprise loans need the following conditions: 1. The policy of micro-enterprise loans is in line with domestic policies or fields. The development of an enterprise is sustainable and cannot be a company with high energy consumption and serious pollution;

2. The enterprise has a good reputation and has not been sued by financial institutions or other lenders;

3, approved by the administrative department for Industry and commerce for the record, and the annual examination meets the requirements of the enterprise business license, approved by the People's Bank of China and the normal annual examination of the loan card;

4. Having a formal organizational structure, business management plan and financial system, a fixed business foundation and place, honest business, sales market and economic benefits of the project;

5. Have the ability to repay debts, the property will grow steadily, and there will be no risks of many inter-bank businesses;

6. The enterprise manager or controlling shareholder has more than 3 years of working experience, good quality and no bad personal credit record;

7. The operation of the enterprise is stable, the establishment period is more than 2 years (including 2 years) in principle, and there are at least 65,438+0 and above financial reports in the fiscal year. The sales volume has continued to grow in the past 2 years, and the gross profit is positive.