The company has been operating for 1 many years, with a maximum of 5 million yuan in enterprise credit loans. As for the amount of loans, it mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan. Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks. Generally speaking, branches of commercial banks are based on the local credit market, the development strategy and risk control ability of personal loan business of branches. Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.

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.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.

Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

How much can a corporate loan generally lend?

There are many kinds of loans from banks in China, and the amount of different kinds of loans will be different. If you need to know more about the loan amount, you can consult the enterprise bank.

The above contents are for your reference. Please refer to the actual business regulations.

What is the company's maximum credit loan?

The company has been operating for 1 many years, and the maximum amount in enterprise credit loans is 5 million yuan. The amount of loans mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.

Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.

Generally speaking, branches of commercial banks are based on the local credit market, the development strategy and risk control ability of personal loan business of branches.

Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.

I. Application conditions

It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;

The enterprise has a good reputation in various commercial banks and has no bad credit record;

Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;

It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;

Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;

The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

Abide by the industrial credit policies related to small businesses;

Abide by national financial regulations and policies and relevant bank regulations;

Open a basic settlement account or a general settlement account with the applicant bank.

Second, the application materials

Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

personal data

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.

Three, personal loans need to meet the basic conditions are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business requires a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.