Product definition: “Simple Commercial Loan ” means that taking the merchant-concentrated shopping malls, special markets and logistics centers as a main body and regarding this main body as an integral large marketer and serving object, the financing service center for small enterprises of Jiutai Rural Commercial Bank shall determine the credit line on the basis of the comprehensive assessment on the main body and offer loans to their subsidiary businesses according to their actual capital demands, while the main body provide guarantees to their subsidiary businesses.

Serving object: the businesses, within the same main unit, that have concentrated and fixed places for business operation, steady operation, good benefit and high reputation, and the loan fund is intended to meet the reasonable demand such as operating cash flow and upgrading and reconstruction of the booth.

Product advantage:

1. Application by trade, guarantee by main unit, amount control, flexible usage;

2. Approval in batches, standard process, fast loan.

Application conditions;

1. Registration with the industrial and commercial administrative department (or competent authorities);

2. Has been engaging in business activities in the main unit and has purchased and rent the commercial house or booth of the main body;

3. In principle, it has been established for at least 3 years and is profitable for consecutively 3 years; as for the ones established for less than 3 years, this limit can be relaxed taking consideration of its good comprehensive assessment;

4. With good credit status and no poor credit record. The business’s legal person, actual controller and manager are of good conduct, with no unlawful act, poor credit record and other dishonorable record;

5. The business is promising and in good state of operation. The cash flow and profit increase steadily, with the capacity to repay the loan principal and interest;

6. To be guaranteed by the main unit, of which the procedures are lawful and effective;

7. The actual controller (or legal representative) provides him with joint liability guarantee;

8. The loan purpose accords with the national laws, regulations and relative policies;

9. Has opened settlement account with the bank designated by the financing service center for small enterprises of Jiutai Rural Commercial Bank and is willing to received the supervisions of credit and settlement by Jiutai Rural Commercial Bank;

10. Other conditions required by the financing service center for small enterprises of Jiutai Rural Commercial Bank.