The loan assistance center refers to the special responsibility of assisting small and micro enterprises and individuals to realize their financing needs and promote the popularization and development of the financial industry. For customers who need loans, credit evaluation is carried out according to their actual situation, and corresponding loan schemes are provided to help them apply for loans. And "lending to that bank" is to recommend customers to a specific bank for loans, which is not only successful, but also convenient for customers' management.
Second, what banks should lend to individual enterprises?
How much do you want to borrow? Is there any collateral or guarantee?
If not, you can try to apply for enterprise credit loans. The condition of enterprise credit loans is that the enterprise must be established for more than three years, have a fixed business place and be able to provide financial statements for the past six months.
3. Which banks can give loans to enterprises?
China Industrial and Commercial Bank, China Construction Bank, Bank of Beijing, China Industrial and Commercial Bank, Shanghai Pudong Development Bank, China CITIC Bank, Bank of Communications, etc. Have such a loan business.
1, unsecured small and medium-sized enterprises generally have a low quota, but it is enough to solve the problems existing in enterprises. Small and medium-sized enterprises are unsecured and do not need any collateral, but they need a very important unsecured condition and good corporate credit.
2. Good corporate credit is the first condition of loan. In addition, small and medium-sized enterprises that need loans must have a business license issued by the administrative department for industry and commerce, a fixed office space and a fixed office staff. At the same time, it is also necessary to have a good operating condition and submit the financial flow for at least half a year (according to the different requirements of different financial institutions) to prove that the enterprise is operating normally and has sufficient repayment ability.
3. At present, many banks have launched special credit loans for small and micro enterprises, and borrowers do not need to provide guarantees, but issue loans through credit.
4. Which banks can give loans to enterprises?
Banks that lend money to enterprises:
1. Bank of China: China Bank provides loans to enterprises, mainly including loans for real estate enterprises, loans for current assets, loans for fixed assets, and loans for overdraft of enterprise accounts. , can meet the various needs of enterprises.
2. Industrial and Commercial Bank of China: ICBC can provide loans to small and medium-sized enterprises at an annualized interest rate of 3%-4%. The main loan services provided are personal business loans, personal business loans and personal loan online lending.
3. Agricultural Bank: Agricultural Bank mainly provides loan services for small and micro enterprises. The main loan services provided include housing loans, technology loans, mortgage e loans and so on.