1, the enterprise has been established for more than one year, and 2, the financial statement.
2. Which bank is convenient to open an account in Gong Hu?
It's all convenient.
When opening an account in a bank, Gong Hu must abide by the regulations of the People's Bank of China and provide legal and effective materials.
Because the requirements are uniform, which bank to choose depends on which bank the enterprise is close to, or which bank to go to do business, apply for loans or open letters of credit in the future.
Therefore, enterprises should consider comprehensively when choosing banks.
3. Which company in Beijing has a good bank credit loan?
1. Bank: Ping An Bank, suitable for legal persons to work. Non-bank loans should not appear in credit information. The working hours of the company should be 6 months, and the monthly repayment amount of credit loans and credit cards should not exceed 75% of the monthly income. Bank of Nanjing, mainly engaged in the friendly credit investigation of customers who work in provident fund mortgage houses, can't have non-bank loans for the fifth time, and basically the liabilities can't exceed 75% of the monthly liabilities 1 year, so the provident fund can be regarded as the identification of the work unit. CCB, decoration loan and consumer loan have financial management in CCB, or CCB's salary or CCB's credit card is used for special purposes. If your work unit is a white list of banks, direct credit. If you don't suggest it, don't try to check the credit information once. 2. Non-bank credit: Ping An Pratt & Whitney mainly engages in mortgage housing policy car accumulation fund through comprehensive credit. Six inquiries in two months are less difficult than bank credit. Sunshine Xinbao Co., Ltd. mortgages houses and cars through comprehensive credit mortgage. Six inquiries in two months are less difficult than bank credit. The comprehensive rate is 0.8, with a maximum of 50. It is less difficult for Pacific Property Insurance Co., Ltd. to grant loans and cars six times a month through comprehensive credit. What is the longest loan term? The loan term is chosen by the user himself, and the loan will not force the user to choose the loan term. But when the loan term cannot be selected, that is, there is only one loan term to choose from, then users must choose this loan term if they want to apply for a loan successfully. Therefore, although you can choose the loan term independently, there are several options, depending on how many years the lending institution provides. The loan life of most short-term loans varies from 1-3 years, while online loans are generally short-term loans, and users can only apply for loans for up to 3 years. 2. What is the five-level loan classification system? According to the degree of inherent risk, commercial loans are divided into five categories: normal, concerned, secondary, suspicious and loss. The five-level loan classification system means that banks mainly determine the risk degree of loan loss according to the borrower's repayment ability, that is, the actual ability to repay the loan principal and interest. The latter three categories are called non-performing loans.
Four, enterprise loans more than four banks, will it have an impact on credit?
Too many bank loans will not affect the later loan application, but it should be properly controlled. If there is financing demand, it is best to concentrate on two or three loans.