It is understood that the security of corporate loans for Soumi is relatively low. If you want to borrow money, you can choose a formal lending institution on the platform. Soumi Enterprise Loan can't even be found in official website, so the security and reliability are very low. Loans in informal institutions will face many risks, such as personal information disclosure, routine loans, violent collection and other illegal acts.

First, the explanation of enterprise loans

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Second, matters needing attention in enterprise loans

Although most private enterprises have a strong demand for financing, they can't handle this demand well. Enterprises should prepare financing loans in advance according to their own conditions. The private economy of small and micro enterprises in China has developed rapidly, which has become an important part of the socialist market economy and an important force to promote the development of social productive forces. Small and micro private enterprises show a trend of accelerated expansion in quantity and gradual improvement in quality, and continue to become bigger and stronger.

In principle, the loans of banking financial institutions to newly-added enterprises shall not exceed 1.9 times of the enterprise's output value in the previous year or 1.6 times of the current year's output value. If the balance of the enterprise that has issued the loan exceeds the above standard, it will be reduced by multiple year by year in consultation with the enterprise or under the guidance of the relevant departments of the local government, and it will be restored to within 1.6 times. For enterprises whose loan balance is less than 1.6 times the output value, the host bank should take responsibility and negotiate with the other three banks to help enterprises obtain loans.