What conditions does Minsheng Bank need to make small and micro loans?

Not only do banks have strict requirements for loans to small and micro enterprises, but even small loan companies with higher interest rates have strict requirements for small and micro enterprises. \x0d\ In addition to the basic requirements that small and micro enterprises must meet, such as being approved and registered by the administrative department for industry and commerce, having the qualification of an independent legal person, being able to conduct independent accounting, opening a basic deposit account, and having paid-in capital not less than the registered capital. \x0d\ also requires enterprises to have good repayment ability, reasonable asset-liability ratio, asset-liability ratio not exceeding 70%, sustainable profitability and stable market competitiveness. In addition, enterprises should have good credit. Of course, different lending institutions have different requirements for applicants.