The borrower needs to be the actual controller of the enterprise: refers to the natural person who can actually control and dominate the operation and management of the enterprise, and generally refers to the individual shareholder who holds more than 50% of the shares/equity capital of the enterprise; Or although the shareholding ratio is less than 50%, it is the single largest shareholder; Or does not meet the first two conditions, but has a resolution of the shareholders' meeting and a written certificate issued by the legal representative to prove that it is the actual controller of the enterprise, in which the number of signatories to the resolution of the shareholders' meeting accounts for not less than 2/3 of the total number of shareholders, and meets the requirements of the company's articles of association for decision-making power on major issues. Public officials and minority shareholders who are not allowed to do business according to laws and regulations may not apply for loans from banks for small and micro enterprises.
The borrower/actual controller of the borrowing enterprise shall meet the following conditions:
1. China citizens with full capacity for civil conduct.
2. Have legal and valid identification, and the age plus credit/single loan period shall not exceed 60 years old in principle, and the maximum shall not exceed 70 years old.
3. It has the ability to repay the principal and interest of the loan on time, is law-abiding, honest and trustworthy, and has no illegal acts. At present, it has not involved any criminal cases or civil cases against it.
4. The borrower/actual controller of the borrowing enterprise should have more than 3 years of continuous and successful business experience in the industry corresponding to the loan purpose, and it can be extended to 2 years if one of the following conditions is met:
1) Small and micro enterprise mortgage loan with full mortgage of real estate.
2) Small and micro enterprises jointly guaranteed by professional guarantee companies, natural persons or natural persons attach insufficient mortgage loans.
3) The guarantee method is small and micro enterprise loans jointly guaranteed by professional guarantee companies, natural persons or natural persons.
5. The credit record of the borrower/actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.
6. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise. For natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, such as farmers, fishermen and other natural persons who can provide proof of legal operation, they can also apply for personal business loans.
7. In small and micro enterprise corporate loans, the actual controller of the borrowing enterprise provides full irrevocable joint liability guarantee for the loan.
The operating entity/borrowing enterprise of the borrower shall meet the following conditions:
1. The borrower's operating entity/borrowing enterprise has a stable profit model and stable cash flow.
2. The borrower's business entity/borrowing enterprise has no bad business practices or employment records.
3. The borrower's business entity/borrowing enterprise must be located in the same city administrative area as the lending institution and within the effective management radius of the lending institution. Those who meet the following conditions may not be subject to this restriction:
1) For small and micro enterprise loans secured by full real estate, the location of the borrower's business entity/borrowing enterprise must be located within the administrative jurisdiction of the same city as the institution or within 2 hours' drive of the institution.
2) The borrower's business entity/borrowing enterprise of the supply and marketing mobile loan for small and micro enterprises must be located in the same province as the agency or within 2 hours' drive from the agency.
4. Small and micro enterprise borrowing enterprises must meet the following conditions:
1) must have the legal entity qualification, hold a valid business license, apply for a loan card and pass the annual review.
2) The borrowing enterprise has a good reputation. When applying for a loan, the loan card shows that the enterprise has no bad loans and no illegal acts (including but not limited to industrial and commercial, tax, price administrative penalties, etc.). ). Overdue or interest owed due to non-subjective reasons such as bank data submission error and data update delay. , if written proof can be provided, it may not be included in the non-performing loan record.
Provisions on loan purposes:
Loans can only be used for the working capital turnover or fixed assets investment of the borrower's operating entity/borrowing enterprise.
(1) Fixed assets investment loans can only be used by the borrower's business entity/borrowing enterprise for fixed assets investment purposes such as new construction, expansion, renovation, development and purchase. Corporate loans used by small and micro enterprises for fixed assets investment shall comply with the relevant regulations of the regulatory authorities on fixed assets loans.
(2) The loan shall not be used for the equity investment of the enterprise; Not allowed to enter the stock, futures and other securities markets; Shall not be used to buy housing; Shall not be used for real estate development in disguise; Shall not be used for borrowing to seek illegal income; It shall not be used in other fields where production and operation are prohibited by the state; It shall not be used in areas that violate national laws and regulations and prohibit bank loans from entering.
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