Working capital application report

What is the format of the liquidity application report? The following is the format and template of the liquidity application report. Welcome to browse!

Format of liquidity application report:

Enterprise working capital loan is a loan issued to meet the temporary and seasonal capital demand in the process of enterprise production and operation and ensure the normal production and operation activities, or a loan issued by a bank to meet the long-term average demand for working capital in the process of enterprise production and operation. The purpose of working capital loan is limited to the working capital needs of the borrowing enterprise.

Applicable object of enterprise working capital loan:

Enterprise working capital loans are highly liquid and suitable for industrial and commercial enterprise customers with short-term and medium-term capital needs. Medium-term working capital loan is suitable for customers with normal production and operation, good growth, marketable products, profitable operation, no bad credit record and high credit rating. Customers who can provide full low-risk guarantee are not restricted by credit rating.

Application conditions and application materials for enterprise working capital loan:

Application conditions:

1, approved and registered by the State Administration for Industry and Commerce (or the competent authority) and passed the annual inspection of the current period;

2, independent accounting, improve the "financial management system";

3 funds in place and verified by accounting firms;

4. Holding a loan card issued by the People's Bank of China and passing the annual examination;

5. Meet the business license and the business scope specified in the business license.

Application materials:

1. The business license, organization code certificate, articles of association, loan card and capital verification report of the applicant and guarantor;

2. The original and photocopy of the identity certificate of the legal representative or his power of attorney and the identity certificate of the authorized agent;

3. Financial and accounting statements for three years and monthly financial statements for the previous period before applying for loans;

4. List of mortgaged (pledged) goods, proof of property rights (original) and relevant documents proving that the person with the right to dispose of the mortgaged (pledged) goods or the guarantor is willing to provide guarantee;

5. Resolutions of the board of directors or shareholders' general meeting agreeing to borrow or guarantee;

6, the enterprise working capital loan application;

7. Necessary transaction contracts or agreements;

8. Other information required by the bank;

Characteristics of enterprise working capital loan:

Enterprise liquidity loans can be divided into temporary liquidity loans, short-term liquidity loans and medium-term liquidity loans:

1. Temporary working capital loan: the term is within 3 months (inclusive), which is mainly used for the temporary capital demand of one-time purchase of enterprises 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 is mainly used for the working capital needs of normal production and operation of enterprises;

3. Medium-term working capital loan: the term is 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), which is mainly used to meet the capital needs of normal production and operation of enterprises;

-

(1) registered by the administrative department of the Industrial and Commercial Bank of this Municipality;

(2) Having a fixed place for production and business operation;

(3) The bank opens a settlement account;

(4) Holding a loan card issued by the People's Bank of China and passing the annual inspection;

(5) The enterprise is in good operating condition;

(6) The enterprise has a good reputation;

(7) provide financial statements;

(8) Providing collateral or guarantor approved by the bank.

Working capital application report

China xx Bank:

Established in May 2008, Xx Co., Ltd. is a limited company invested by xx individuals, with a registered address of xx and a registered capital of 5 million yuan, mainly engaged in projects such as lubricating oil, gasoline, diesel oil, compressed air oil, hydraulic oil, heavy oil, fuel oil and liquefied gas. The company consists of xx oil depot, oil transportation fleet, xx Petrochemical Co., Ltd., xx Petrochemical Nano Fuel Oil Factory and other projects. The company covers an area of 36,838.7 square meters, with a building area of 2,000 square meters and employees 152. The legal representative of the company is xx, with a university degree. The company has been engaged in fuel oil business since 2009. Have a strong advantage in petrochemical product management, be familiar with business, have rich experience and have a certain management level. There is a big network market in the purchase and sale of products. At present, the fuel oil is mainly supplied to xx Group in Thailand, construction oil in and out of expressway, as well as major hotels, Sino-foreign joint ventures and other enterprises, and radiated to xx areas such as xx, X, X, X, X, X, X, X, X, X, X, X, X, and xx, with a good social reputation.

Since our company started business with your bank on 20 10, our relationship with your bank has been very harmonious. We opened a basic deposit account in your bank, but we have no account and credit in other banks. Our company's insurance and housing accumulation fund are represented by your bank; 20 10, 20 1 1 was rated as "aaa" credit enterprise by xx bank, as a trustworthy enterprise by xx, as an "aa" credit enterprise by xxx Agricultural Bank on 20 12, and as "aaa" by 20 13.

Now the company has signed a purchase contract with xx Petrochemical Company to purchase 2,500 tons of fuel oil at a contract price of 3,050 yuan/ton, which is urgently needed for xx expressway oil reserve. At present, it has raised 4.725 million yuan by itself, with a funding gap of 2.9 million yuan. Liquidity can no longer meet the normal needs of the company's business development, so I hereby apply to your bank for a liquidity loan of 2.9 million yuan for the company's turnover, mainly for the purchase of fuel oil to meet the needs of the company's normal operation.

Thank you for your support!

Applicant: xx co., ltd

Date of application: xx, xx, xx.

Second, the working capital loan application report

According to the relevant regulations of our country, enterprises, other economic organizations and individual industrial and commercial households with independent legal personality approved and registered by the administrative department for industry and commerce need a fund application report when applying for a fixed-term local and foreign currency loan for normal production and operation turnover or temporary funds, which is called a liquidity application report. When applying for liquidity filing, Zhongzhe Consulting must provide the following information:

I. Enterprise Certificate

1) original and duplicate copies of the business license of the enterprise;

2) Copy of organization code certificate;

3) A copy of the legal representative's ID card;

4) Copy of basic deposit account account opening permit;

5) A copy of the shareholder's ID card;

6) tax registration certificate;

7) loan card;

8) Articles of Association;

9) Capital verification report;

The above documents need to be signed and stamped with official seal.

Two, nearly 3 years of annual audit reports and recent corporate statements

Three. Credit business application

Four. Resolution of shareholders' meeting

V. Collateral Warrant and related materials (including appraisal report), or information of guarantor 1-4.

Liquidity can be divided into industrial liquidity, commercial liquidity, construction liquidity, real estate liquidity, service liquidity, public liquidity, agricultural liquidity, non-bank financial institutions liquidity and other liquidity. These all need to write a liquidity application report.

Of course, I'm not a professional. I read it on China Zhejiang Consulting Network, and there are many application reports on it. You can go and have a look.

Three. Questions and answers on applying for working capital loan

If people are embarrassed to borrow money from relatives and friends when they are in financial difficulties, they will think of loans. I believe everyone has heard of working capital loan, so in the process of applying for working capital loan, you need to know a series of problems such as the term of working capital loan, expected annualized interest rate, application conditions and materials. Let's introduce them below.

1. What is a working capital loan?

It is a local and foreign currency loan issued by Postal Savings Bank to borrowers (excluding small enterprises) for the normal production and operation turnover of borrowers.

2. What are the conditions for a working capital loan?

An enterprise (institution) legal person or other economic organization with loan qualification approved and registered by the administrative department for industry and commerce or the competent authority.

3. How long is the working capital loan term?

(1) no more than 3 years.

(2) You can choose the loan term independently according to the production and operation cycle and repayment ability.

4. What is the expected annualized interest rate of working capital loan?

Based on the expected annualized interest rate of loans with the same term and grade determined by the People's Bank of China, it will rise appropriately.

5. What are the repayment methods of working capital loans?

Repay the principal in one lump sum, interest in installments, or principal and interest in installments.

6. Where can I apply for a working capital loan?

Applicants can apply at the local Postal Savings Bank branch that provides enterprise credit services.

7. What is the application process of working capital loan?

Applicants apply, conduct field visits, examine and approve, sign contracts, examine and approve conditions, and implement loan issuance and disbursement.

8. What are the application materials for working capital loan?

(1) Relevant documents for registration or approval of establishment and their valid annual inspection certificates.

(2) Organization code certificate, basic account account opening permit and valid proof of legal representative's identity; Articles of association loan card and password.

(3) the annual financial report and the first financial statement of the last three years (including notes).

(4) Seal card, signature pattern of legal representative and authorized agent shall be reserved.

(5) Documents and materials reflecting customers' capital needs, such as production and operation plans or purchase and sale contracts, import and export approvals and valid documents approving the use of foreign exchange.

(6) Other materials required for handling loans.

4.202 1 What is the interest rate of working capital loan for half a year?

202 1 what is the loan interest rate of the six major banks?

1, Industrial and Commercial Bank of China

202 1, the interest rate of ICBC's short-term loan (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

2. Agricultural Bank of China

202 1, the short-term loan interest rate of Agricultural Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.

3. China People's Bank

202 1 China RMB bank loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years. For individual housing provident fund loans, the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.

4. Bank of Communications

202 1 bank of communications loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years.

5. China Construction Bank

202 1 China Construction Bank's short-term loan (within six months, including six months) has an interest rate of 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

6. Postal Savings Bank

202 1, the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.