1. Who are the online merchants of Changsha Bank?
Credit recipients are e-commerce enterprises, individual industrial and commercial households and natural persons (legal representatives or actual controllers of enterprises) that meet the standards recognized by Changsha Bank.
However, this business is only for individual Taobao merchants in Hunan, even if there are Changsha Bank outlets in other provinces.
Second, Changsha Bank online merchants running water loan application conditions
1, registered on the first-line e-commerce shopping platform or the e-commerce platform recognized by Changsha Bank for more than one year;
2. The main management personnel have more than 3 years of online business operation experience;
3. The business grew steadily, and the business on the e-commerce platform accounted for more than 80% of its total sales;
4. Agree to use its settlement account opened in Changsha Bank as the payment account for its platform transaction;
5. During the financing credit period of Changsha Bank, it is agreed to authorize the port of its mainstream platform business to Changsha Bank or a third party (such as a data company) entrusted by Changsha Bank for monitoring.
Those who meet the above conditions can bring the required information to Changsha Bank Hunan Branch to submit a loan application, and the bank will evaluate the qualifications of the lender and decide whether to lend money to it.
Three. Information required for Changsha Bank's online merchant running water loan
1. Resolution of the shareholders' meeting (board of directors) that agrees to borrow money (required by limited liability companies and joint stock limited companies) or the resolution of the shareholders' meeting (board of directors) that agrees to issue a guarantee by e-commerce enterprises (required by limited liability companies and joint stock limited companies);
2. A tax payment certificate for 3 consecutive months, and a water and electricity fee payment certificate (the production enterprise must provide a water and electricity fee payment certificate);
3. Sales data, bank flow and logistics data in recent three months, sales receipts and operating expenses in recent 1 year, etc.
4. Credit certification materials;
5. Guarantee materials;
6. Other information deemed necessary by Changsha Bank.