citic kechuang e loan conditions: small and micro enterprises meet the standards of four ministries and commissions; The credit record is good, and there is no overdue or abnormal guarantee at present; It has been established and actually operated for more than 2 years (inclusive); Borrowing enterprises belong to the list of "specialized and innovative" enterprises recognized by the competent departments of small and medium-sized enterprises at all levels.

Extended information: CITIC Bank actively responded to the national innovation and development strategy, built an intelligent risk control system for science and technology innovation by relying on an intelligent credit factory, and provided full-line, pure credit, and loan-and-return exclusive financial services for scientific and technological innovation enterprises such as "Specialization and Innovation", committed to solving the "unbalanced and insufficient" problem of science and technology innovation financing supply, and realized efficient support and effective coverage for high-quality science and technology small and micro enterprises. In the next stage, CITIC Bank will make full use of the resource advantages of CITIC Group's full financial license, continue to focus on "earlier, smaller and newer" science and technology customers, create a "faster, better and more comprehensive" science and technology financial service system, strengthen the precise drip irrigation and gradient layout of science and technology small and micro enterprises, and make greater contributions to the high-quality development of small and micro enterprises.