1. Enterprise qualification:
(1) The enterprise has been established for two years and has a valid business license;
B. Steady operation and no serious bad credit record;
C legal representative of enterprise 18-65 years old, with full capacity for civil conduct.
2. Financial requirements:
(a) the financial statements of the enterprise in the latest year show profit, and the operating cash flow in the last two years is positive;
B the asset-liability ratio of the enterprise is within a reasonable range, and it has the ability to repay the principal and interest of the loan;
The enterprise has no record of non-performing loans and no major legal disputes.
3. Guarantee conditions:
A. The enterprise shall provide guarantee measures that meet the requirements of China Bank, including but not limited to mortgage, pledge and guarantee.
B. The relationship between security interests is clear, does not involve legal disputes, and has high liquidity.
4. The purpose of the loan:
A the purpose of the loan conforms to the requirements of national laws, regulations and policies, and is mainly used for the production and operation activities of the enterprise;
B the loan funds shall not be used to invest in illegal activities such as stocks, futures, real estate and gambling.
It should be noted that due to geographical, time and other factors, the specific handling conditions may be different. It is recommended to consult the local China Bank outlets or account managers for the latest policy information before applying for loans. At the same time, provide relevant materials, including but not limited to business licenses, financial statements, guarantee materials, etc. , should be provided according to the requirements of the bank in the process of handling loans.