Legal analysis: 1, a personal business license loan is required, and a business license that needs to be audited by the industrial and commercial department if the project has been in operation for more than one year. China citizens who have reached the age of 18 and have full capacity for civil conduct have the right of permanent residence. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year. Have a fixed business place and a stable income. Good credit record. 2. Self-employed business license loan application materials: original ID card, household registration book and copies consistent with the original, original and copies of annual business license and tax registration certificate, relevant materials that can prove their legitimate income and marital status, legal and sufficient collateral and evaluation report, mortgage or pledgor filling in the pledge in bank format, and other materials required by the bank. 3. Handling process of self-employed business license loan: the borrower applies to the lending institution and submits the materials required for the loan. 4. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property. 5. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed.

Legal basis: A company established according to law in Article 7 of the Company Law of People's Republic of China (PRC) shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company. The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters. Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.