中文：

银行授信是银行向企业或个人提供资金支持的重要方式之一。那么，银行授信需要什么呢？

首先，银行需要了解申请授信的企业或个人的基本情况，包括企业规模、经营状况、财务状况、股东结构、历史沿革等方面。这些信息的获取需要通过尽职调查和信用评估等方式来进行。

其次，银行需要了解申请授信的企业或个人的信用状况。银行会通过查询征信系统、参考其他银行信用评级等方式来评估申请人的信用状况。如果申请人的信用状况良好，那么银行就有可能提供更优惠的授信条件。

此外，银行还需要考虑申请授信的企业或个人的还款能力。银行会根据申请人的财务状况、经营状况等因素来评估其还款能力。如果申请人的还款能力较强，那么银行就有可能提供更高的授信额度。

总的来说，银行授信需要了解企业或个人的基本情况、信用状况和还款能力等方面。只有满足这些条件，银行才有可能提供授信支持。

英文：

Bank credit is one of the important ways for banks to provide financial support to enterprises or individuals. So, what does bank credit require?

Firstly, banks need to understand the basic situation of the applicant for credit, including the size of the enterprise, management status, financial situation, shareholder structure, historical evolution and other aspects. This information is obtained through due diligence and credit assessment methods.

Secondly, banks need to understand the credit status of the applicant for credit. Banks will evaluate the credit status of the applicant by checking the credit reporting system, referring to other banks' credit ratings, etc. If the applicant's credit status is good, then the bank may provide more favorable credit conditions.

In addition, banks also need to consider the repayment ability of the applicant for credit. Banks will evaluate the repayment ability of the applicant based on factors such as the applicant's financial situation and management status. If the applicant's repayment ability is strong, then the bank may provide a higher credit limit.

Overall, bank credit requires an understanding of the basic situation, credit status, and repayment ability of enterprises or individuals. Only by meeting these conditions can banks provide credit support.