1. Mortgage guarantee is required.
Nowadays, many financial institutions must provide qualified mortgages or guarantees to apply for corporate loans, but most small and medium-sized enterprises are not strong, so it is obviously unrealistic to use real estate mortgages or credit guarantees. Besides, today's business environment is sluggish. Once the business loses money, it doesn't matter. If you mortgage your own property, it will not be worth the loss. Many small businesses don't meet the requirements.
2. Borrowing risk
In fact, banks are very afraid of risks. Small and medium-sized enterprises have a high loan amount, and they will bear millions of losses at every turn. Many banks may not be able to afford it themselves. Why do many banks write articles on credit cards now? Because the lowest default cost of credit cards is high (directly linked to personal credit information) and the expected income is relatively objective, banks can also earn a lot of money through interest income, annual fee income and credit card rate income.
Mortgage loan is the main business.
Nowadays, the main loan direction of banks is the real estate industry and large enterprises, and the loan growth of small and medium-sized enterprises has basically remained in single digits. It must be said that under the background of profit-driven and risk control, it is inevitable for banks to choose real estate industry. After all, land and real estate are mortgaged, so it is safer.
4. Revision of future credit information
After the new version of credit information summarizes all the information of enterprises and individuals, banks can fully understand the situation of enterprises and individuals through credit information and make their own judgment on whether to lend, which is believed to have a certain positive effect.