What are the requirements for applying for an Agricultural Development Bank loan?

Customers applying for credit business should meet the following basic conditions:

(1) Go through industrial and commercial registration in accordance with the law, obtain a "Business License" and valid annual inspection procedures; Registration or filing has been carried out in accordance with the provisions of the Regulations. Special industries must hold a business or operating license issued by the competent authority.

(2) The business activities engaged in are legal and compliant and comply with national industrial development policies and regional development policies.

(3) Open a deposit account with the Agricultural Development Bank of China, voluntarily accept the credit management of the Agricultural Development Bank of China, abide by credit and abide by the contract.

(4) The application for credit by an enterprise legal person with a corporate system must comply with the company's articles of association. If the company's articles of association do not provide for it, a resolution from the general meeting of shareholders (shareholders' meeting) authorizing the board of directors (general manager) to borrow external funds can be provided. .

(5) Hold a loan card approved by the Central Bank and passed annual inspection, and an organization code certificate issued and annually inspected by the technical supervision department.

(6) Have legal and stable sources of income or subsidies, and have the ability to repay principal and interest on time; major financial indicators such as the corporate asset-liability ratio meet the requirements stipulated by the Agricultural Development Bank of China.

(7) If the credit loan method is not met, a guarantee that meets the prescribed conditions should be provided.

(8) To apply for bill discount, you must hold legal and valid bills.

(9) When applying for project loans, the source and proportion of project capital should comply with national and Agricultural Development Bank regulations. Banks at all levels shall not violate or reduce the above basic conditions to provide credit business.