A business license is required to apply for a loan. In addition to providing a business license when applying for a loan, individual industrial and commercial households need to provide the lending organization with bank statements for more than six months, proof of identity of the applicant, and the credit of the applicant and the applicant company if they are applying for an unsecured loan. , must have sufficient repayment ability.

Loan process:

1. Loan application: The borrower applies for a loan to the local bank;

2. Credit rating assessment: The bank evaluates the borrower Evaluate the credit rating of the borrower;

3. Loan investigation: The bank investigates the borrower’s legality, safety, profitability, etc.;

4. Loan approval: The bank The loan management system separates loan approval and graded approval for loan approval;

5. Signing a contract: the bank signs a loan contract with the borrower;

6. Loan disbursement: the bank issues a loan according to the loan contract It stipulates that loans be granted on schedule;

7. Post-loan inspection: The bank conducts follow-up investigations and inspections on the borrower's implementation of the loan contract and the borrower's operating conditions;

8. Loan repayment: Loan Upon maturity, the borrower must repay the principal and interest of the loan in full and on time. If the loan is to be extended, a loan extension application must be submitted to the bank before the loan maturity date. The bank shall decide whether to extend the loan.

Legal basis:

Article 39 of the "Commercial Bank Law of the People's Republic of China"

Commercial bank loans shall comply with the following assets and liabilities Provisions on proportional management:

(1) The capital adequacy ratio shall not be less than 8%;

(2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than Twenty-five percent;

(3) The ratio of loan balance to the same borrower and the capital balance of a commercial bank shall not exceed 10%;

(4) Bank of the State Council Other provisions of the industry supervision and management agency on the management of asset-liability ratios. If a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph in terms of its asset-liability ratio after the enforcement of this law, it shall comply with the provisions of the preceding paragraph within a certain period of time. Specific measures shall be prescribed by the State Council.