Legal analysis: Yes. Credit loans can only be made with business licenses (that is, unsecured). Rural credit cooperative loans refer to loans issued by rural credit cooperatives to farmers' professional cooperatives and their members within their jurisdiction. "Farmers' professional cooperatives" refers to farmers' professional cooperatives approved and registered by the administrative department for industry and commerce in accordance with the provisions of the Law of People's Republic of China (PRC) on Farmers' Professional Cooperatives. According to the characteristics of the organization form and management level of farmers' professional cooperatives, the loan method of "suitable for the society, suitable for the households" is adopted. Legal basis: Article 77 of the Civil Code of People's Republic of China (PRC) was registered and established according to law. Article 78 A legally established for-profit legal person shall be issued a business license by the registration authority. The date of issuance of the business license is the date of establishment of the profit-making legal person.
2. I use this business license with the cooperative business license? Loans are not allowed
6-month running account, business license (or real estate license), marriage certificate (marriage certificate of both parties) household registration book. No bad credit record. Id card. You can apply for a loan.
3. Can the cooperative business license be loaned?
If your name is on the business license and Liu Shui is in your personal name, you can apply for a loan.
4. Can individual industrial and commercial households apply for loans?
Individual industrial and commercial households can apply for loans.
Individual industrial and commercial households can not apply for loans only by providing business licenses. They need to provide business license, tax registration certificate, identity cards of legal persons and their spouses, marriage certificates and household registration books. Engaged in special industries, but also need a franchise license, business premises lease contract, product certificate of distribution of goods, recent purchase and sale certificate.
If the loan is less than 30,000 yuan, you need to find local civil servants or formal employees of institutions as guarantors, and if it is more than 30,000 yuan, you need to find two people as guarantors.
The guarantor must issue an identity card and proof of income, and the unit where he works must sign and seal it.
Extended data:
The simple and popular understanding of loan is to borrow money with interest.
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.