1. Basic conditions

1. The corporate license or business license is valid;

2. Opening a basic deposit account or general account in a credit cooperative;

3. The enterprise holds the 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 a fixed business site and facilities;

6. The financial management system is sound and the enterprise management is standardized.

II. Policy

1. The business activities of the enterprise comply with the national laws and regulations;

2. the loan object must meet the requirements of the people's bank of China and rural credit cooperatives for credit support objects;

3. There is no loan relationship with other banks or credit cooperatives. Enterprises must borrow in a credit cooperative, and there is no problem of multi-head loans;

4. Enterprises operate within the jurisdiction of credit cooperatives that issue loans, and may not lend across regions.

III. Feasibility of the project

1. Raw materials are sourced and the supply of raw materials has an intentional agreement;

2. The product quality is qualified, there is a long-term stable market, and the product sales have an intentional agreement;

3. There are considerable profits and good economic benefits;

4. The enterprise has production technology guarantee;

5. The external liabilities of the enterprise account for less than 7% of the total assets. For working capital loans, the proportion of enterprise's own assets to total assets must be greater than 3%; For fixed assets loans, the proportion of enterprise's own assets to total assets must be greater than 5%;

6. The self-raised funds of new projects must be above 5%, and there must be a certificate of registered capital;

7. New projects must have the approval documents of relevant departments.

IV. Safety of the loan

1. The guarantor must have sufficient economic strength and the ability to replace the loan repayment, and must be an enterprise with legal person qualification, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity;

2. The collateral must be fixed on the ground and easy to realize, and the loan amount must be controlled within 7% of the collateral;

3. The pledge, certificate and right are true and clear, and the bill is legal and valid.

V. Benefit of the loan

There are clear and reliable channels for repaying the principal and interest of the loan, and the enterprise can take out certain funds to repay the principal of the loan after settling the interest every year.

VI. Integrity of the enterprise

The enterprise has no debt evasion or debt cancellation, and there is no history of maliciously defaulting on loans and payment from credit cooperatives and other banks, other units and individuals.

VII. Requirements for rural credit cooperatives

1. On the premise of supporting agriculture, the funds organized by the credit cooperatives themselves have sufficient surplus funds for issuing this loan. Every 5 million yuan of surplus funds can only issue 1 million yuan of corporate loans at most. It is not allowed to issue corporate loans with borrowed funds or re-loans from the People's Bank of China;

2. If this loan is granted, the proportion of this enterprise loan in the total loan of the credit union cannot exceed 1%; The proportion of loans from the largest ten households in a credit cooperative to the total loans should not exceed 5%

3. City and state associations and credit cooperatives must have loan feasibility demonstration reports, and there are sufficient reasons for lending, and improvement measures should be taken for the existing deficiencies;

4. Most of the loan review committees of municipal and state associations and credit cooperatives agree, among which: the chairman and director must agree at the same time, and the words "agree" shall be marked respectively;

5. The principal responsible persons of municipal and state associations and credit cooperatives must sign the words "true and correct" on all the loan information reported.

6. The responsibilities of the person in charge of the loan (the loan officer of the credit union, county union, city union, the leader in charge of the credit, the principal responsible person and other relevant personnel).

Note: Although rural credit cooperative loans and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that loans from rural credit cooperatives are protected by national laws. If the interests of borrowers are infringed, they can safeguard their legitimate rights and interests through legal channels. However, private lending is different, and the protection of private lending by law is conditional. For example, if the interest rate of private lending exceeds four times the interest rate of similar loans of banks, the excess will not be protected by law.