Bad corporate credit records will affect corporate loans, but different situations have different effects. As far as the products applied for are concerned, the impact of corporate credit reporting on corporate loans is different.

1. If it is enterprise credit loans, the credit information of the legal person is an important basis for approving the loan.

2. If it is an enterprise mortgage loan, the bad credit information of the legal person will also have an impact, but it can be solved by increasing the guarantor.

3. If it is enterprise bill discount, the impact of bad credit information of legal person is low.

Secondly, the degree of bad credit reporting is different, and the impact is also different. If the legal person forgets to repay due to unexpected circumstances, the impact is not significant; However, if a legal person has many overdue records, it is difficult to apply for loans from relevant enterprises.

There are several solutions to the problem that enterprises can't apply for corporate loans because of poor credit information of legal persons. First of all, if a legal person is refused a loan due to a bad credit record, shareholders holding more than 0/0% of the shares of the enterprise/kloc-can apply for a corporate loan. If an enterprise has no other applicants, it may change its legal person and apply for a loan from the relevant enterprise one year after the change. You can also increase the pass rate by adding guarantors, discounted bills or collateral, or applying for credit products with mortgage loans or discounted bills.

: the terms of the company loan

1. Original and photocopy of valid identity documents and marriage relationship certificates of the borrower and spouse;

2, good credit, a stable source of income and the ability to repay the loan principal and interest in full and on time;

3, legal business qualifications, can provide business licenses for individual industrial and commercial households, partnerships, sole proprietorship enterprises, etc. ;

4. Tax payment certificate for production and business activities;

5. Proof that the borrower and spouse promise to repay together;

6. The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of the owner and the property co-owner agreeing to mortgage (pledged);

7. Other information required by the bank.