产品优势：用于微小企业主、个体工商户的个人经营或创业投资。

Advantages: Applicable to micro and small enterprises owners, individual business owners or start-up investment.

适用对象：工作关系在广州的微小企业主、个体工商户。

Suitable Users: Micro and small enterprises owners and individual business owners whose business ownership is in Guangzhou

发放额度：5-100万元

Lending Quota: 50,000RMB to 1,000,000RMB

申请条件：

Application Requirements:

1、年龄18-60周岁，银行征信记录良好。

Between 18 and 60 years old with favorable bank credit records.

2、可提供企业作为保证人，企业持续经营半年以上，且经营状况良好。

Can provide an enterprise with favorable state of business as the guarantor, and the said enterprise should be on-going for at least half a year.

3、可提供车库、商品房、自建房、商铺、写字楼、厂房等，产权清晰，无其他经济纠纷的物业进行抵押担保；或可提供有价证券、公司股权、物业租赁权、企业应收账款等进行质押担保。

Can provide garages, commercial residential houses, self-built houses, shops, factories etc.as security guarantees. The said security guaranteed properties should be with clearly defined property rights and without other economic dispute. Marketable securities, company equity, property leasehold, company accounts receivable and so on can also be pledge guarantees.