Xuchang's corporate bank loan is not good now. It is not easy for enterprises to get loans from banks, and many conditions need to be met before they can apply for loans. The report includes the following contents: basic information of the enterprise, including registered capital, nature of the enterprise, affiliation, office location, telephone number, contact person, main business, enterprise introduction, etc. The general situation of the enterprise as a legal person, including name, gender, education level, professional title, previous occupation and position, performance, etc. Write down the loan amount, purpose, term, repayment method and guarantee form in detail, and attach the project feasibility report, purchase and sale contract, etc. The financial status of the enterprise, including monetary funds, inventory, total liabilities, total owners' equity, total assets, current net profit and total accumulated profits in the latest year.
Can a limited company borrow money from a bank?
Of course, loans are good and business is good. The bank is eager for you to borrow money.
No matter how many bank loans an enterprise applies for, the qualification of the enterprise is ultimately a problem. As long as the enterprise has strong repayment ability and good management, banks are eager for your loan! For example, you are rich and have good credit. If you borrow money from others, you will certainly lend it to you. Not to mention the bank. After all, borrowing is profitable. Like big companies now, it's normal for banks above 10 to grant credit! Advantages of lending to banks: low loan cost. Compared with the loan platform, the bank's corporate loan is the lowest cost way. Because the bank's loan interest rate is low, there is no need to charge other intermediary fees or handling fees, which can save a lot of expenses for enterprises.
What are the advantages and disadvantages of corporate loans? You will know after reading it!
No matter what kind of enterprise, it needs certain financial support to ensure operation and expand production, otherwise it may be more difficult. Now many banks can provide corporate loans, but there are advantages and disadvantages. Let's take stock today.
First, the advantages of corporate loans
1, low cost
So far, bank loan is a low cost, not only the interest rate is low, but also the agency fee or handling fee is much lower. The most important thing is that they are safe and reliable, and they can't be routine. Moreover, it is possible to obtain certain loan interest rate concessions when applying for corporate loans in banks.
2. High quota
There is usually no upper limit for applying for corporate loans in banks, and how many loans enterprises can get mainly depends on their strength. Therefore, as long as enterprises meet the loan conditions of banks, almost all the enterprise loan quotas they want to apply for can be met.
Second, the drawbacks of bank corporate loans
1, with high loan threshold.
Although banks have abundant funds and strong background, not all enterprises can easily apply for loans. Judging from the current situation, it has become a common phenomenon that enterprises are difficult to borrow and expensive to raise funds.
Under normal circumstances, the control of bank credit risk is very strict, which often requires high qualifications, credibility and repayment ability of enterprises. As long as one item fails to meet the requirements of banks, enterprises may not be able to obtain loans from banks, which is why it is so difficult for banks to apply for corporate loans.
2. Need collateral
In the management and control of credit risk, banks have particularly high requirements for enterprises. General banks will require enterprises to provide certain collateral, and some products need to issue invoices and tax payment vouchers before they can apply.
It is difficult for small and medium-sized enterprises to provide collateral. Therefore, it is often difficult for SMEs to obtain corporate loans from banks.
Small and micro business owners, bank loan approval?
For most small and micro enterprises, it will definitely not be well approved for the following reasons:
1, insufficient guarantee
Enterprise loans are different from personal loans, and you can only apply if you provide enough collateral or guarantee. At present, many small and micro enterprises have the problem of insufficient guarantee, which may be because they have just started and their strength is not strong, or because they have encountered difficulties in operation and insufficient assets. In short, without collateral, it is difficult to borrow money from banks and financial institutions. Even if there is land or factory, it is difficult for banks to accept it because it does not meet the conditions of banks.
2. Insufficient repayment ability
Small and micro enterprises often do not have sufficient repayment ability, and their business development is not clear. Generally, when encountering difficulties, they will choose to apply for bank loans, and some are even on the verge of bankruptcy. Therefore, few small and micro enterprises think that their operations are "very good".
In short, most small and micro enterprises are in poor operating conditions, and banks and financial institutions will not lend after inspection. After all, banks follow the principle of safety first, and will not lend if there is overdue risk.
3. Information asymmetry
Banks mainly judge whether they have sufficient repayment ability according to the information provided by small and micro enterprises. However, small and micro enterprises are often inexperienced and have no sound financial system, which makes it difficult for banks to evaluate their repayment ability and credit risk. Moreover, banks will not conduct field visits for matching personnel for small and micro enterprises, and the cost is too high, so many banks or financial institutions are reluctant to lend to small and micro enterprises.
Conditions that small and micro enterprises need to meet if they want to obtain loans smoothly:
I. Good credit record
If small and micro enterprises want to obtain loans successfully, they must have a good credit record, because lending institutions judge whether borrowing enterprises have a good willingness to repay, based on the credit situation of enterprises. If the credit is tainted or blacklisted, there is no doubt that the loan will be rejected.
Second, good business conditions.
In addition to credit records, good operating conditions are also indispensable factors for borrowing enterprises, because the operating conditions of enterprises can most intuitively reflect the repayment ability. If the borrowing enterprise is in good operating condition, it can not only get loans easily, but also get loans with low interest rate and high amount.
Third, effective collateral.
When small and micro enterprises apply for loans, it will be easier to obtain loans if they can provide collateral that meets the requirements as a guarantee, because relatively speaking, there are more unstable factors in the operation of small and micro enterprises. If collateral is involved, the credit risk of the lending institution can be reduced, so the loan can be approved more easily.
Is it easy to approve loans for small and medium-sized enterprises in CCB?
It is still possible for CCB to approve SME loans. It is recommended to choose a loan from Mo Long, and the approval speed is fast. The platform does not mortgage the house loan, and the loan can be released as soon as 1 day. Apartment shops can also apply. No car loan, the fastest 2 hours loan, corporate tax bill loan can be 5 million, 30 minutes loan.
Loan approval process:
1, loan application, the borrower applies for a loan from the local credit cooperative. In addition to applying for rural loans, other types of loans should also provide relevant information.
2. Credit rating evaluation.
3, loan survey, credit cooperatives to investigate the legitimacy, safety and profitability of borrowers.
4, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval.
5. sign a contract.
6. Loan issuance: Credit cooperatives issue loans on schedule according to the loan contract.
7. Post-loan inspection: The credit cooperative conducts follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If you need to extend the loan, you should apply to the credit union for loan extension before the loan expires. Whether to extend the loan is decided by the credit union.
For more information about the loan, please consult Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. 20 15 Softbank China capital becomes Morlon shareholder. Softbank China Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and IWC. 20 16, Morlong brand upgrade, financial technology projects launched at the same time. Up to now, a complete technical system for loan assistance business and an intelligent risk control system for big data have been formed, and professionalism is worth choosing.
The introduction of corporate good loans is so much.