Documents required for applying for bank credit: scanned copy of the original business license (if the annual inspection is passed); scanned copy of the organization code certificate (if the annual inspection is passed); scanned copy of the tax registration certificate (if the annual inspection is passed); basic account opening Copy of license; copy of ID card: legal person, financial person in charge, manager; list of board members and work resume of the main person in charge; company profile and future development plan; description of the company's affiliated companies; audited financial statements in the past three years Reports, statements and monthly statements for the most recent month.
1. Bank credit
Credit refers to the funds provided directly by commercial banks to non-financial institutional customers, or the compensation and payment responsibilities that may be incurred by customers in relevant economic activities. Guarantees include loans, trade financing, bill financing, financial leases, overdrafts, various advances and other on-balance sheet businesses, as well as bill acceptance, issuance of letters of credit, letters of guarantee, standby letters of credit, confirmations of letters of credit, bond issuance guarantees, Off-balance sheet businesses such as loan guarantees, asset sales with recourse, and unused irrevocable loan commitments. Simply put, credit refers to the act of a bank directly providing financial support to a customer or guaranteeing a customer's credit in relevant economic activities to a third party. Credit is divided into short-term credit and medium- and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium- and long-term credit refers to credit for more than one year.
2. Apply for bank credit
Bank credit usually requires the applicant to open a deposit account in a bank and have certain deposit and settlement business, good personal credit, and good debt situation . Applicants need to provide a loan application, a loan card issued by the People's Bank of China, a guarantor recognized by the bank or a mortgage, pledge guarantee, and other relevant information required for bank credit. The more complete the applicant is prepared, the greater the possibility of obtaining credit.
Documents required for applying for bank credit: scanned copy of the original business license (if the annual inspection is passed); scanned copy of the organization code certificate (if the annual inspection is passed); scanned copy of the tax registration certificate (if the annual inspection is passed); basic account opening Copy of license; copy of ID card: legal person, financial person in charge, manager; list of board members and work resume of the main person in charge; company profile and future development plan; description of the company's affiliated companies; audited financial statements in the past three years Reports, statements and monthly statements for the most recent month.