Customers need to truthfully fill in the use of credit loans. Generally speaking, the coverage of credit loans is relatively wide, and you can apply for credit loans in the following ways:
1, personal consumption.
2. House decoration.
3. Improve academic qualifications.
4. Run vocational training.
5. Production and operation.
Customers can fill in the purpose of credit loan according to their actual situation. After filling in the purpose and successfully submitting it, they can wait patiently for the system approval. Once approved, the customer can get the corresponding loan amount.
It is worth noting that lending institutions may supervise the use of loan funds by customers to see if customers have misappropriated funds privately, such as misappropriating loan funds to finance or buying a house. Once violations are discovered, the lending institution has the right to terminate the loan in advance.
After the customer defaults, the platform will recover the loan amount, require the customer to repay in advance, and will investigate the customer's liability for breach of contract according to regulations. Therefore, after customers apply for credit loans, they should still use the loans within the prescribed scope and should not misappropriate them easily.
Provisions of China Banking Regulatory Commission on the Use of Bank Loan Funds
Legal analysis: First, make up for the shortcomings of supervision. At present, there is no special system to comprehensively and systematically regulate the entrusted loan business. The promulgation of the "Measures" fills the gap in the supervision system of entrusted loans and provides an institutional basis for commercial banks to handle entrusted loans. The second is to strengthen risk management. The Measures require commercial banks to improve the internal management system and process of entrusted loan business, strictly control risks, and must not carry out business beyond the scope of the trustee's duties, and at the same time strengthen relevant regulatory requirements. The third is to serve the real economy. The "Measures" require that the use of entrusted loan funds should conform to the national macro-control and industrial policies, which is conducive to promoting the healthy development of business, preventing funds from being divorced from reality, and better playing the role of serving the real economy.
Legal basis: Regulations of People's Republic of China (PRC) Municipality on Information Openness.
Seventh people's governments at all levels should actively promote the work of government information disclosure, and gradually increase the content of government information disclosure.
Article 8 People's governments at all levels shall strengthen the standardization and informatization management of government information resources, strengthen the construction of online government information disclosure platform, promote the integration of government information disclosure platform and government service platform, and improve the online processing level of government information disclosure.
Ninth citizens, legal persons and other organizations have the right to supervise the government information disclosure work of administrative organs, and make criticisms and suggestions.
Where shall the loan funds not be used?
Working capital loans are mainly local and foreign currency loans used for the daily production and operation of borrowers, which can be divided into secured loans and credit loans according to loan methods.
It is understood that working capital loans shall not be used for fixed assets investment, equity investment, etc. , used in areas and uses prohibited by the state, and shall not be used for other purposes for any reason. The lender shall inspect and supervise the use of funds in accordance with the loan contract.
If the working capital loan is found inapplicable by the regulatory authorities, the loan may be frozen, which will affect the credit standing of borrowers and enterprises.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
What can loan funds be used for?
It can be used for business purposes such as purchasing raw materials, purchasing goods, paying pavement rent, etc. Or buy a car, decorate, travel, wedding, medical care, parking, golf membership and other legitimate personal consumption purposes. Can not be used for buying a house, studying abroad, entering the securities market or other situations that do not meet the regulatory requirements.
At present, bank loans can be used for personal or family legitimate consumption purposes such as house purchase, car purchase, decoration, education, bulk consumption, shopping, tourism, and enterprise revolving loans. The purpose of the loan must comply with the provisions of relevant national laws, regulations and policies, and shall not be used for investment in areas that violate national laws and regulations and prohibit bank loans from entering, such as stocks and bonds. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and select 3 people to enter the manual service to provide loan purpose and city details. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
What is a working capital loan
Question 1: What is a working capital loan? Working capital loan is a loan issued to meet your short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge. According to the way of use, it can be divided into short-term revolving loans that are applied one by one and audited one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit stipulated by the bank. As an efficient and practical financing method, working capital payment has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a popular banking business for customers. To put it bluntly, it is the liquidity needed for operation.
Question 2: What is the difference between fixed assets loans and working capital loans? What are the purposes of fixed assets loans and working capital loans to solve the capital demand of fixed assets investment activities of enterprises and meet the needs of enterprises? Short-term capital demand The medium-term loans with a term of 65,438+0-5 years or long-term loans with a term of more than 5 years, short-term loans with a term of 65,438+0 years or medium-term loans with a term of 65,438+0-3 years should be reviewed one by one, and the applications should be reviewed one by one, or at the time and time specified by the bank. The repayment source of working capital loan amount After the project is completed, accepted and put into production, cash or enterprise's own funds are mainly the risk of enterprise's operating income. There are many external factors, uncertainties and unstable factors, and the risks are mainly concentrated in the long-term, stable income, short-term and medium-term income of the borrower, guarantor or mortgagor.
Question 3: What is a working capital loan? Who told you about working capital?
Question 4: What is the difference between working capital loan and project loan? Working capital loan refers to the loan issued by the lender to meet the working capital demand of enterprises and institutions in the process of production and operation due to temporary, seasonal or expanded scale. Features: The term of working capital loan can be flexibly arranged according to the specific needs of customers, which can be divided into three types: temporary, short-term and medium-term, with a maximum of 5 years. Short loan cycle, short approval time, strong liquidity and low financing cost. Project loans refer to loans issued by commercial banks to borrowers for new construction, expansion, transformation, development and purchase of fixed assets investment projects. Project loan refers to the loan with a loan term of more than one year, which is specially used for business or public welfare investment projects. The loan amount generally does not exceed 70% of the total investment of the project, and the loan period generally does not exceed 10 year.
Question 5: What is the working capital loan of ICBC? Working capital loan is a loan issued to meet the temporary and seasonal capital demand in the process of production and operation of enterprises and ensure the normal production and operation activities. Working capital loan has the characteristics of flexible term, which can meet the temporary, short-term and medium-term working capital needs of enterprises. According to the term, they can be divided into three categories: temporary working capital loans, short-term working capital loans and medium-term working capital loans.
Question 6: What are the definitions of credit, productive loan and working capital loan? Credit is an economic lending behavior. It is a unilateral value transfer on the condition of repayment and interest payment. Bank credit belongs to an economic category of credit, which refers to the lending activities of banks as financial intermediaries. Banks gather funds in various forms within the social scope and distribute them within the social scope to support the capital needs of enterprises' business activities.
Productive loans, as the name implies, are loans granted to enterprises for production needs.
Working capital loan is a loan issued to solve the borrower's short-term working capital demand. (The exact definition is really hard to find)
Question 7: What are "fixed assets loans and working capital loans"? According to the different purposes of loan funds, loans can be divided into fixed assets loans and working capital loans. Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities. The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation. Working capital loan is a loan issued to meet people's short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years. As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost.
Question 8: What purpose can the enterprise working capital loan be used for? What purpose can't the enterprise working capital loan be used for?
In order to meet the short-term capital demand of enterprises in the process of production and operation, lending institutions have launched the enterprise working capital loan business. So, what is a working capital loan? What can it be used for? Are there any restrictions?
The so-called working capital loan refers to the local and foreign currency loans issued by lending institutions to enterprises (institutions) legal persons or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers.
According to the Interim Measures for the Management of Working Capital Loans (hereinafter referred to as the "Measures"), the lending institution shall agree with the borrower on a clear and legal loan purpose when granting this loan.
It is reported that working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and purposes prohibited by the state from production and operation. In addition, this loan shall not be misappropriated, and the lending institution shall inspect and supervise the use of working capital loans according to the contract.
The use of working capital loans
The use of working capital loans
According to the Interim Measures for the Management of Working Capital Loans, the lender should agree with the borrower on a clear and legal purpose of the loan.
Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state.
The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract.
To apply for a working capital loan, the following conditions shall be met:
(1) The borrower is legally established;
(2) The purpose of the loan is clear and legal;
(3) The production and operation of the borrower are legal and compliant;
(four) the borrower has the ability to continue to operate and has a legal source of repayment;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Lenders should put forward requirements on the methods and specific contents of application materials for working capital loans, and require borrowers to abide by the principle of honesty and trustworthiness, and promise to provide authentic, complete and effective materials.
The lender shall conduct due diligence by combining on-site and off-site methods, form a written report, and be responsible for the authenticity, completeness and effectiveness of its contents. Due diligence includes but is not limited to the following:
(1) Organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower;
(2) The business scope, core business, production and operation, business planning and major investment plans of the borrower during the loan period;
(3) the industry status of the borrower;
(four) the borrower's accounts receivable, accounts payable, inventory and other real financial conditions;
(5) The borrower's total working capital requirements and existing financing liabilities;
(6) Related parties and related transactions of the borrower;
(seven) the specific purpose of the loan and the use of the counterparty's funds related to the loan purpose;
(8) Sources of repayment, including cash flow, comprehensive income and other lawful income generated by production and operation;
(9) For secured working capital loans, it is necessary to investigate the ownership, value and realization difficulty of the collateral, or the guarantee qualification and ability of the guarantor.
Product definition
Working capital loans refer to local and foreign currency loans issued by banks to enterprises, institutions, legal persons or other economic organizations for their normal production and operation turnover or temporary capital needs.
According to the term, it is divided into short-term working capital loans within one year (inclusive) and medium-term working capital loans from one year to three years. According to whether guarantee is provided, it can be divided into guarantee loan and credit loan, among which guarantee loan is divided into guarantee loan, mortgage loan and pledge loan; According to the usage mode, customers can apply for a single loan or offline loan one by one, that is, within the loan amount, enterprises can apply for withdrawal at any time, so long as the agreed conditions are met in advance, they can withdraw loans without applying for loans separately.
Question 9: What liquidity loans are there in China? What do you think is the score?
By loan term: short-term working capital loan
Medium-term working capital loan
Long-term liquidity loan
Or: short-term and medium-and long-term
There are some other points:
1. Temporary working capital loan: The term is within 3 months (inclusive), which is mainly used for the temporary capital demand of enterprises to purchase goods at one time and to make up for the shortage of other payment funds.
2. Short-term working capital loan: the term is from 3 months to 1 year (excluding 3 months, including 1 year), which mainly meets the working capital needs of enterprises in normal production and operation.
3. Medium-term working capital loan: the term is 1 to 3 years (excluding 1 year, including 3 years), which is mainly used for the capital needs of normal production and operation of enterprises.
If classified according to five grades, it is normal, concerned, secondary, suspicious and lost. But I don't think it will be classified according to five categories, right? There's nothing better.
Question 10: What's the difference between current loans and working capital loans? Working capital loan refers to the loan issued by the bank to solve the problem of insufficient working capital of production and operation enterprises.
Loan target: All enterprises that meet the requirements of bank liquidity mutual loan, such as industry, commerce, construction and installation, transportation, material supply and marketing, tourism, joint ventures, Sino-foreign joint ventures, etc., can apply for liquidity loans from banks after being approved and registered by the administrative department for industry and commerce and obtaining the Business License of Enterprise as a Legal Person.
How to get the funds for mortgage loan?
If you want to get funds for mortgage business, you can apply directly to the bank.
Mortgage business loans can be applied when users need them. As long as they meet the loan conditions, most of them can be applied successfully. When applying for operating loans, banks generally lend loan funds to third-party accounts, not borrowers' accounts. Borrowers need to apply to third-party account holders or individuals for the use of loans. In order to ensure the use of the loan, the third-party account will transfer the money to the applicant's account after the application is approved.
At present, the funds lent by banks are used for specific purposes. In order to control the specific use, most banks entrust third-party accounts to pay loans. Different regions and different banks have different policies. Most banks are placed in the accounts of three-party legal persons, and some small banks can be placed in the accounts of three-party legal persons or shareholders. So when borrowing money, you need to apply to a third party.
Mortgage operation is a special kind of loan, and it is also a means for banks to prevent funds from flowing to real estate, fund stocks and other investment purposes. Post-loan fund management is a very important link in mortgage loan. If you don't use the loan funds at will according to the requirements of the bank, you are likely to recover the funds in advance.
Conditions for operating loans:
(1) Personal business loans Personal business loans refer to loans applied by self-employed individuals for personal business. The borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The application of personal business loan needs to meet the conditions of personal business loan, and the requirements for the applicant's own conditions are relatively high, such as reputation, financial management, personal assets, business projects, debt repayment sources and so on.
(II) Operating loan Operating loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation.
(3) Operating loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. There are many kinds of business loans for enterprises, including: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, enterprise certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
(4) Commercial loans have higher requirements for the company itself, such as the company's cash flow, assets, existing liabilities, income, net profit, solvency, whether the People's Bank of China has overdue loans, and whether the credit is good.