2. The enterprise has a good reputation in all kinds of commercial banks and has no bad reputation 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, a formal 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, 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 (including 2 years), there is at least one financial statement in the fiscal year, the sales revenue has increased for two consecutive years, and the gross profit is positive.
Second, small and micro enterprise loan channels
1, mortgage loan
General mortgage property to apply for a loan from the bank. Collateral is usually the real estate or factory building under the name of the enterprise, and the loan amount can generally reach about 70% of the real estate assessment value. The bank's approval and lending process is faster. The general cycle is about one month. The loan term is 1-5 years.
2. Credit loan
That is, the enterprise has no mortgage, and obtains bank loans by virtue of its operating ability and credit without providing collateral. In this enterprise credit loans way, the bank's audit conditions will be more stringent. The loan term is also long, and the loan term is 1-3 years.
3. Joint guarantee of merchants
Merchant's joint guarantee is also a loan method of unsecured loan. But the loan amount is not high. Merchant joint guarantee is a joint guarantee group composed of three individual industrial and commercial households or sole proprietorship owners with business licenses. They can apply for a loan from the bank without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.
Extended data:
In order to further alleviate the financing difficulties of small and micro enterprises, the the State Council executive meeting held on June 20th put forward five specific measures:
First, increase the amount of refinancing and rediscounting to support small and micro enterprises and "agriculture, rural areas and farmers" and reduce the interest rate of small and medium-sized refinancing. Improve the assessment mechanism, and realize that the year-on-year growth rate of small and micro enterprise loans with a total credit of 6.5438 billion yuan or less per household is higher than that of various loans, and the number of households with loan balances is higher than that of the same period of last year.
2. From September this year 1 to the end of 2020, qualified small and micro enterprises and individual industrial and commercial households will be exempted from value-added tax, and the upper limit of credit line will be raised from 1 10,000 yuan to 5 million yuan.
The amount of guarantee provided by the national financing guarantee fund to support the financing of small and micro enterprises is not less than 80%, of which the amount of guarantee provided to support a single small and micro enterprise loan with a credit of 5 million yuan or less and the operating loan of individual industrial and commercial households and small and micro enterprises is not less than 50%.
Three, it is forbidden for financial institutions to charge commitment fees and fund management fees for loans to small and micro enterprises, and to reduce or exempt additional financing fees.
Fourth, support banks to explore the small and micro enterprise market, use monetary policy tools such as targeted cuts to required reserve ratios to enhance the supply capacity of small and micro credit, and accelerate the landing of signed debt-to-equity swap projects. Encourage banks that have not set up inclusive finance business department to set up community and small and micro branches.
V. Incorporate a single small and micro enterprise loan with a credit of 5 million yuan or less into the scope of qualified collateral for medium-term lending facilities.
China SME Information Network-One-week New Deal: the State Council Plus Small and Micro Enterprises Support Policy