What are the conditions for enterprise loans?
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are 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;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
In addition, corporate loans may have certain requirements for the person in charge of the company to collect credit information. Users are advised to check their personal comprehensive credit score and big data credit report in Eagle Heart before applying for a loan.
Extended data:
The enterprise loan process is as follows:
First of all, an enterprise must meet the conditions that it has passed the examination and approval and annual inspection registration of the State Administration for Industry and Commerce, has no bad credit record and has been registered and operated for more than 3 years.
Submit a loan application to the bank and submit complete loan information and related materials.
Banks accept loan applications and approve loans. After the examination and approval, the two sides signed a loan and guarantee contract.
After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
The borrowing enterprise shall repay the loan in full and on time according to the contract, settle the loan and go through the withdrawal procedures according to the regulations.
How do credit companies lend money? How to borrow money from a credit company?
For most people who want to apply for a loan, it is best to get the money they want from the bank. However, many people choose to apply for loans from credit companies because banks have strict requirements on the qualifications of lenders and the approval time is long. How to borrow money from a credit company? How do credit companies lend money?
How do credit companies lend money?
In fact, most credit companies still cooperate with banks, and the main lending channel is banks. Generally speaking, credit companies that cooperate with banks or have financial licenses issued by the CBRC are eligible to issue loans. If the lender finds that a credit company has not cooperated with the bank and has no financial license when applying, it is not a formal company to a large extent.
At the same time, credit companies that only cooperate with one or two banks also advise you not to apply for loans, because such credit companies have small lending channels and cannot meet the loan needs of users to the greatest extent.
Generally speaking, lending by credit companies is no different from ordinary banks. After the approval is successful, it will enter the lending time, which will generally be transferred to the savings account bound by the applicant, and no fees will be charged before lending.
How to borrow money from a credit company?
Regardless of any lending institution, lending has a very strict process: customer application acceptance → investigation and analysis → review and evaluation → contract signing and mortgage registration → level-by-level approval → issuance of vouchers → post-loan inspection, collection and return → material filing.
These processes cannot be reversed or operated without procedures, and credit companies need to strictly abide by them. However, the credit company's qualification review of users is looser than that of banks, and many links and processes do not need to be signed by multiple departments, so the approval speed is much faster than that of ordinary banks.
The above is the answer to the question "How do credit companies lend money". I hope I can help you!
How to handle corporate bank loans? Introduction of enterprise bank loan process
How to handle corporate bank loans? When handling corporate bank loans, we must strictly follow the bank loan process, so as to save time and effort and improve the success rate of corporate bank loans.
Introduction of enterprise bank loan process
1. Establish a credit relationship. The enterprise shall submit the Application Form for Establishing Credit Relationship to the bank in duplicate. After receiving it, the bank will investigate the nature, feasibility, efficiency and capital utilization of the enterprise. After investigating these facts, the bank signed a contract with the enterprise to establish a credit relationship.
2. Enterprises apply for loans. After establishing a credit relationship with a bank, an enterprise may apply for a loan from the bank according to its reasonable capital demand in the course of operation. The loan application form must be submitted when applying, and the bank will review the loan application submitted by the enterprise according to the national industrial policy, credit policy and related systems; Hangzhou enterprise loan
3. The bank conducts loan review. The loan review conducted by the bank usually includes:
Direct use of corporate loans;
(2) The recent operating conditions of the enterprise;
(3) enterprise potential plan, flow plan and its implementation;
(4) the development prospect of the enterprise;
(5) corporate debt capacity, etc.;
4. Enterprises and banks sign loan contracts. The loan contract is a written contract signed by the buyer and the lender, which is an economic contract and can better protect the interests of both enterprises and banks. The contents of the loan contract are generally decided by the enterprise and the bank after consultation, and generally should include the following terms:
① loan type;
(2) the purpose of the loan;
③ loan amount;
(4) loan interest rate;
(5) Term of the loan;
⑥ Sources of repayment funds and repayment methods;
⑦ clause;
8. Liability for breach of contract;
Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by both the enterprise and the bank;
5. Banks issue loans to enterprises. After the enterprise signs the loan contract with the bank, the bank shall fill in the loan notice. After the loan application and loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account. To this end, how to handle bank loans for enterprises is completed.
Enterprise credit loans application process
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.