The process is roughly as follows: 1. Industry research starts from the industry, looking for companies that can develop their business, and the judgment criteria are roughly quantitative and qualitative. Qualitative analysis is mainly carried out from the aspects of corporate governance, organizational structure design, managers' quality and business structure. Quantification mainly starts with financial data. 2. Prepare to apply for the project to obtain some information needed by the enterprise to apply for credit, such as business license, articles of association, financial statements, project feasibility report, etc. Write a credit investigation report, analyze the competitive advantage, existing capital demand and credit risk of the enterprise, and provide a risk control plan. At this stage, the reported project needs three levels of approval: account manager, team leader and department general manager. 3. Due Diligence Risk Management Department is responsible for verifying the research conducted by the account manager and personally going to the site to check the project construction. If there are no problems, the due diligence personnel will give a positive conclusion in the due diligence report. 4. After the materials and investigation reports submitted by the Risk Review Committee have been prepared and passed the three-level examination and approval, they can be reported to the Risk Review Committee. The judges were bombarded. At this time, the account manager must calmly, truly and comprehensively explain the conclusion of the analysis in order to win the approval of the judges. 5. Professional Approvers Generally, provincial branches will have a number of risk professional approvers, who usually serve as vice presidents and have veto power. Usually there is not much problem with the project, and this person usually signs a positive opinion. If the project amount is large, it needs the approval of the president. Presidents generally have veto power, but they don't exercise it casually, hehe. At this point, the credit approval is over. Enterprises can use this money. Before each payment, the enterprise should fill in some materials such as IOUs. After the bank is verified by the audit department, the money can be transferred to the company account. 6. After the loan management funds are issued, the bank will regularly track the use of funds and monitor the flow of funds to ensure that the loan principal and interest can be repaid on time.

Second, how to borrow money during the establishment of the company?

Generally, newly established companies basically have no cash flow, and it is basically impossible to directly obtain the general financial indicators of enterprises. Whether banks lend depends mainly on whether the company has stable cash flow, strong profitability and good development space. If the company's projects are good, supported by national policies or have a high entry threshold, and are basically in a monopoly position, banks will generally provide loans for long-term construction projects.

If you are particularly optimistic about the company's projects, you will also provide general short-term working capital loans. However, for this kind of loans, banks generally require strong guarantees, such as adequate and easy-to-realize land or real estate mortgages, and guarantees provided by powerful third-party units. If the newly established company does not meet the above conditions, it is very difficult to get a loan from the bank.

3. What's the working process for banks to issue working capital loans to enterprises?

The process is roughly as follows: 1. To find a company that can develop its business, the criteria are quantitative and qualitative, organizational structure design, manager quality, business structure and so on. Quantitatively, enterprises need some information to apply for credit, such as business license and project feasibility report. , mainly obtained from financial data. Write competitive advantage, existing capital demand and credit risk, and provide the first stage. Reporting projects requires three levels of approval: account manager, team leader and department general manager. 3. Due Diligence Risk Management Department is responsible for checking the project construction of the account manager. If there are no problems, make a positive conclusion. 4. After the materials and investigation reports submitted by the Risk Review Committee have been prepared and passed the three-level examination and approval, they can be reported to the Risk Review Committee. The judges were bombarded. At this time, the account manager must elaborate comprehensively and win the approval of the judges. 5. Professional Approvers Under normal circumstances, provincial branches will have multiple professional risk approvers, usually concurrently held by the vice president. This man's veto power is very problematic. This person usually signs a positive intention and needs the president's approval. Presidents generally have veto power, but they don't exercise it casually, hehe. So far, the letter of credit has been approved. Before each payment, the enterprise must fill in some materials such as IOUs, and the money can be transferred to the company account only after the bank is verified by the audit department. After payment, the bank will regularly track the use of funds and monitor the flow of funds to ensure that the loan principal and interest can be repaid on time.

Four. Application process of working capital loan for SMEs

Materials: husband and wife's ID card, household registration book, marriage certificate, real estate license, bank account number, payment voucher and articles of association. Business license, tax registration certificate, code certificate, purchase and sale contract (or contract),