1. Why banks are willing to lend to large enterprises

1. Clear financial system: Large enterprises have a complete financial system, and banks can clearly grasp the actual operating conditions of the enterprise. Sales situation, etc., and the finances of small and medium-sized enterprises are in chaos, many of which are family-owned. Banks cannot judge whether the purpose of the loan matches the company's operating income. If it is said to be saturated, general banks will not issue loans to small and medium-sized enterprises.

2. Industry restrictions: There are also industry restrictions for companies to apply for loans. If small and medium-sized enterprises belong to industries such as high pollution, high energy consumption, and e-commerce, it will be more difficult to obtain loans.

3. Insufficient credit: Most banks now require the enterprise to be a Class A credit company when issuing corporate loans. If it does not meet the requirements, the bank will refer it to a loan company. Although you can also get a loan, the commission is , handling fees and interest will be much higher, which is often difficult for small and medium-sized enterprises to bear.

4. Mortgage assets: Large enterprises generally have high-quality mortgage assets and strong risk resistance. Even if there are difficulties in repayment, they can be "offset" through a series of methods such as debt-for-equity swaps, borrowing new and repaying old ones, etc. "risk. Banks have low risk, so they are willing to grant loans to large companies.

2. What is the bank loan process for large enterprises?

Introduce the spread of ICBC: 1. First, you need to bring the basic information of the borrower to ICBC to apply for a loan (loan type, purpose , deadline, etc.). 2. Bank staff will conduct a credit rating assessment based on the borrower's situation and determine the loan credit limit. 3. Based on the borrower's credit status, bank staff will review the borrower's loan application, and if the loan conditions are met, the loan will be granted to the borrower. The above introduction is relatively simple. In the actual operation process, according to the requirements of the general loan regulations, the borrower is required to submit some specific information. Because the requirements of each bank are different, some have more and some have less. In addition, when rating and granting credit, loan officers may have to go to the borrower to conduct on-site investigations, and it will take a certain amount of time to complete the overall loan disbursement.

3. What are the financing methods for large enterprises?

1. Financing methods 1. Bank loans. Banks are the main financing channel for enterprises. According to the nature of funds, they are divided into three categories: working capital loans, fixed asset loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally more favorable. The loans are divided into credit loans, guaranteed loans and bill discounts. 2. Stock financing. Stocks are permanent, have no expiration date, do not need to be returned, and have no pressure to repay principal and interest, so financing risks are relatively small. The stock market can promote enterprises to transform their operating mechanisms and truly become legal entities and market competition entities that operate independently, are responsible for their own profits and losses, self-development, and self-restraint. At the same time, the stock market provides a broad stage for asset restructuring, optimizing corporate organizational structures, and improving corporate integration capabilities. 3. Bond financing. Corporate bonds, also known as corporate bonds, are securities issued by an enterprise in accordance with legal procedures and stipulated to repay principal and interest within a certain period of time. It represents a creditor-debt relationship between the bond-issuing enterprise and the investor. Bond holders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. In the event of corporate bankruptcy and liquidation, creditors have priority over shareholders in claiming the remaining property of the company. Corporate bonds, like stocks, are securities and can be freely transferred. 4.Financial lease. Financial leasing, through the combination of financing and property financing, has the dual functions of finance and trade. It plays a very obvious role in improving the financing efficiency of enterprises and promoting and promoting the technological progress of enterprises. Financial leases include direct purchase leases, sale-leasebacks and leveraged leases. In addition, there are various leasing forms such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting. The financial leasing business has opened up a new financing channel for technological transformation of enterprises. Bokai Investment adopts a new form of combining financing and property, which speeds up the introduction of production equipment and technology. It can also save funds and improve capital utilization. 5. Overseas financing. The overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions, and corporate bond and stock financing businesses in major overseas capital markets. Relevant enterprises developing in our country can carry out corresponding financing during the development period and find relevant funds for their own development. Relevant enterprises can carry out corresponding financing for enterprises according to their own relevant situations.

It should comply with my country's legal regulations and relevant company requirements, actively engage in financing, and develop its own enterprises.