All enterprises with legal personality, enterprises without legal personality, institutions as legal persons and other borrowers who need to apply for loans from various financial institutions and handle credit business such as acceptance bills, letters of credit, letters of credit, guarantees and guarantees. , must apply for a loan card to the downtown branch or county branch of the People's Bank of China where its business license (or other valid documents) is registered.

Second, the issuance and management authority of the loan card

According to the authorization of the head office of the People's Bank of China, the Central Branch of the People's Bank of China and its subordinate branches are the credit card management organs, responsible for the issuance, extension and supervision and management of credit cards.

Third, the application instructions

(1) Enterprises (units) and individuals applying for a loan card download the balance sheet, profit and profit distribution statement and cash flow statement on the website of the municipal government, fill in the information and copy it, and then go to the People's Bank of the place of registration to go through the formalities of obtaining the card.

(two) different types of borrowers bring the following documents to the People's Bank to apply for a card:

1, enterprise card guide

(1) loan card application form;

(2) The original and photocopy of the Business License for Enterprise as a Legal Person or the Business License (limited to the unincorporated enterprise authorized by the legal person enterprise) that has been inspected annually in that year;

(3) The original and photocopy of the People's Republic of China (PRC) Organization Code Certificate that has been inspected in that year;

(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;

(five) the original and photocopy of the capital verification report of the registered capital of the enterprise or the proof of the source of the registered capital;

(6) The balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;

A copy of the ID card of the legal representative;

(8) A copy of the ID card of the senior management;

(nine) a copy of the identity certificate of the shareholders;

⑽ Original and photocopy of the ID card of the agent;

⑾ Original and photocopy of State Taxation Administration of The People's Republic of China tax registration certificate;

⑿ Original and photocopy of local tax registration certificate;

(13) Articles of association of the enterprise as a legal person;

14. If the legal representative is an overseas investor and authorizes domestic personnel to handle relevant matters with full authority, the enterprise shall carry the power of attorney in addition to the above information.

2, institutions, social organizations do card guide

(1) loan card application form;

(2) The original and photocopy of legal person registration certificate, and the original and photocopy of the approval from the institution or the superior;

(3) The original and photocopy of the People's Republic of China (PRC) Organization Code Certificate that has been inspected in that year;

(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;

5. Balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;

[6] Original and photocopy of the ID card of the agent.

3, the administrative organs to build office buildings, medical and health departments to buy equipment and other financing needs; Commercial community organizations approved by the civil affairs department, such as nursing homes; Village-level economic organizations and other institutions with organization code certificates shall go through the card collection procedures according to the institutions and provide the letter of intent for loans issued by financial institutions.

4. Securities companies that meet the conditions of borrowers in the Measures for the Administration of Stock Pledged Loans of Securities Companies; Operating financial institutions authorized by financial enterprises and legal persons approved to have secured business, etc. Please handle the card formalities according to the enterprise and provide the letter of intent for loan issued by the financial institution.

5, personal card guide

(1) If an individual acts as a guarantor to provide guarantee for enterprises and institutions, he must apply for a loan card.

(2) The applicant downloads the balance sheet, profit and profit distribution statement and cash flow statement on the website of the municipal government, and after copying the data, brings the following documents to the People's Bank of the place of registration to apply for a card:

① loan card application;

Original and photocopy of the household registration book;

③ Original and photocopy of ID card;

④ Letter of intent for loan.

The People's Bank of China will issue the loan card within five working days from the date of application after verifying the above information. The loan card shall be kept by the receiving unit or individual.

Four, where business dealings with financial institutions, must be handled by a loan card.

1. All applications for loans and loan extensions from financial institutions, as well as other credit businesses within the scope of credit registration, such as the issuance of acceptance bills, the opening of letters of credit, the opening and cancellation of bank guarantees, the increase or decrease of credit lines, the change of term, etc., must be handled by the borrower at the financial institution with a loan card. Where the guarantee business is involved, an enterprise loan card providing guarantee shall also be sent to the loan financial institution.

2. Before handling business, financial institutions must log in to the basic database of enterprise credit information with a loan card to inquire about the credit status of borrowers; After the business happens, it should be registered in the basic database of enterprise credit information in time.

3, financial institutions for credit business to check the borrower's loan card time, the longest is not more than fifteen days.