Our company is a loyal customer of your society and the key support object of your society, and has a good reputation for many years. I have been engaged in * * processing for many years, with good business performance and rich business experience. Now my working capital reaches * * * ten thousand yuan.
* * * County * * has given strong support to * * industry for many years. With the support of national industrial policies, there are preferential policies for a few enterprises with special needs, making * * enterprises as one of the pillar industries in * * County, which has brought great development to * *.
Therefore, in order to continue to seize opportunities and expand business opportunities, we must expand reproduction. This requires strong financial guarantee as the backing, as well as strong support from the financial sector. Therefore, the company needs a loan of * * * million yuan as supplementary working capital, and I hope your bank will approve it.
Because the company is in good operating condition, strong management ability, strong operating ability and profitability, high reputation and promising development prospects, in order to expand the scale of operation and make the enterprise bigger and stronger, but the liquidity of the enterprise is insufficient, we are now applying for a loan from your bank as a short-term liquidity loan. Because the company has good business projects, good benefits and sufficient sales revenue and cash inflow, the company promises to repay your loan and interest on time with the company's sales revenue and cash inflow to ensure your bank loan.
I. Basic information of the enterprise
The company was founded in * *. The industrial park covers an area of * mu, with a building area of * * square meters, with * * machines and * * production lines. The company was recognized by the State Ethnic Affairs Commission as a designated production enterprise of ethnic minority articles, and developed into a leading backbone enterprise of * * industry in * * county and a "232 1" labor training base. The company operates steadily, with advanced business philosophy and high management level.
Second, the assets and liabilities of the enterprise
At present, the company's total assets are RMB *, including fixed assets RMB *, inventory RMB *, accounts receivable RMB * and other assets RMB *.
The company borrowed RMB * million from CCB, RMB * million from Chengnan Credit Cooperative and RMB * million from accounts payable. Assets and liabilities *%.
Three. The operation of the company
In the process of development, the company actively adjusted its business strategy and paid attention to the development and maintenance of the sales market. In 2006, 65,438+0,000% order management has been achieved, and the passive management situation of blind acquisition has been completely shaken off. We have established long-term cooperative relations with * * Company and Shenzhen * * Co., Ltd. Strict quality control in production has won many customers with high-quality products. The processing and management strategy without plush has been implemented, and good market and economic benefits have been achieved at present.
Four. Development of the company: In 2005, the company realized a total operating income of * million yuan and turned over to the state treasury for tax of * million yuan; In 2006, the total operating income reached * billion yuan, which was turned over to the state treasury for tax revenue of * billion yuan.
Our company has established a modern system in accordance with the company law, and a modern enterprise framework has been formed. Pay attention to integrity construction, technological progress and institutional innovation. Over the years, with perfect management and high and low market prices, we have been making steady progress. In the process of operation, we strictly control the collection and sale, pay close attention to the market conditions, operate flexibly, have a strong sense of risk and have a high degree of sincerity. Over the years, our business is booming and getting bigger and bigger. The company's production and operation have entered a good cycle state, with normal operation, orderly management process, steady and sustained development and good profitability at present.
Verb (abbreviation of verb) loan purpose and repayment source
Company loans are used to supplement working capital and purchase raw materials. The source of repayment is sales return.
We believe that with the support of your bank, our company will continue to be bigger and stronger and become a leader in the industry.
Hereby apply
Enterprise legal person:
* * * products co., ltd
* * * * Year * Month * Day
Question 2: To introduce the company's bank loan, it is necessary to analyze the business situation, development trend, loan purpose and return source. You have confused the requirements of the bank. The so-called company profile is your company's external publicity materials, business status analysis is your financial report, loan use analysis is your loan destination, and the source of return is your purchase and sale contract and accounts receivable.
Question 3: How to write a company profile when a company borrows money from a bank? You have confused the requirements of the bank. The so-called company profile is the publicity materials of your company. Business analysis needs your financial report, loan use analysis needs your loan destination, and the source of return is your upstream and downstream purchase and sale contract and accounts receivable.
Question 4: How to write the purpose of personal loan? How to write the purpose of personal loan? As far as I know, the purpose of the loan strictly requires the authenticity of the loan purpose. If the bank finds that the actual purpose of the loan is inconsistent with the application purpose in the later inspection, it can be considered as misappropriation of loan funds.
Banks have the right to stop the remaining loans that have not been issued to borrowers, and have the right to require lenders to repay all loan principal and interest in advance. The loan interest rate will also rise. Moreover, in order to prevent the borrower from misappropriating the loan, the CBRC requires that the loan with a certain amount or more must be transferred to the borrower's counterparty account in real time through the entrusted payment of the lender.
The purpose of the loan is to define that the borrower's purpose of obtaining the loan is to engage in production and business activities, or to purchase materials or necessary equipment, or to use it for personal expenses such as house purchase, car purchase and consumption, and the loan will eventually be combined with certain production factors. Before obtaining a loan, the borrower must determine the purpose of the loan. The clear purpose is not to fool banks and loan companies, but to maximize the economic benefits of loans and prevent loans from being idle.
Personal loans are generally used to buy a house, a car, decorate a house, study, travel, see a doctor and so on.
Matters needing attention in the use of personal loans:
1. Personal loans should have a clear purpose and should comply with the provisions of laws, regulations and relevant national policies. The transaction background is true, and the transaction background and loan purpose shall not be fabricated;
2, the use of personal loans should follow the principle of good faith, in line with the purpose of the loan contract, according to the current provisions of the state, loan funds shall not illegally enter the stock market, real estate development and other areas prohibited by the state;
3, loans to buy housing, should apply for personal housing loans according to the provisions of the state, according to the current provisions of the state, prohibit consumer loans for the purchase of housing.
Question 5: How to write down the purpose of the company loan? Just write down the problem of capital turnover truthfully.
Question 6: How to write hello for the purpose of bank loan? Loans are divided into consumer loans and commercial loans. Commercial loans have short service life, high interest rate and long service life. Mainly used for personal consumption, including personal car purchase, decoration, travel, going abroad, buying furniture, etc. I hope I can help you!
Question 7: How can the loan be used for consumption or business?
The process of handling bank loans:
1. The borrower applies for a loan;
2. Prepare loan related materials;
3. Customer manager loan survey;
4. Bank approval;
5. Both parties sign a loan contract;
6. Implement mortgage, pledge, unsecured contract or other guarantee contract;
7. Bank loans;
8. Post-loan management;
9. Repay the principal and interest when the loan is due.
Question 8: How to write the model loan certificate? The borrower is you and the format is as follows:
Letter of commitment for repayment guarantee
A bank:
Someone borrows money from your bank ... Our company voluntarily provides guarantee for it and assumes the responsibility of repayment.
A company
Two. The borrower is a company.
Letter of commitment for repayment guarantee
A bank:
Our company applied for a loan from your bank ... voluntarily taking the company's income as the repayment source and taking the repayment responsibility.
A company
As for the fact that you are a borrower and the company pays directly, under normal circumstances, banks do not handle loans that borrowers do not pay directly.
People contact more loans are housing, real estate loans and private loans. Private loans can be used for many purposes, such as buying a car, opening a shop, decorating, buying goods, buying equipment and so on. When applying for a loan, no matter what kind of use it is, you must have corresponding documents to prove it.
Question 9: How to put the purpose of enterprise working capital loan in a word is "working capital turnover".
But it is better to write it as a practical use related to your company's production and operation, because it is too broad, and I am afraid it will be rewritten in the examination and approval.
For example, if your company is a steel manufacturing company, it can be used to pay for the purchase of steel.
Question 10: When applying for a personal loan, what is the purpose of the loan? Try to consult the local bank for loans.
When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc. ;
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.