What are the conditions for accountants to obtain long-term loans? The principle of China's financial sector in granting loans to enterprises is: granting loans as planned, giving preferential support, ensuring materials and returning them on time. Generally speaking, enterprises applying for loans should meet the following conditions: (1) independent accounting, self-financing and legal person status; (2) The business direction and business scope are in line with the national industrial policy, and the purpose of the loan falls within the scope stipulated in the bank loan measures; (3) The borrowing enterprise has certain material and property guarantees, and the guarantee unit has corresponding economic strength; (4) Having the ability to repay loans; (5) The financial management and economic accounting systems are sound, and the efficiency of capital use and the economic benefits of enterprises are good; (6) Have a settlement account in the bank. To obtain a loan, an enterprise with the above conditions must first apply to the bank, explaining the reason and amount of the loan, the time and plan for using the money, and the time and plan for repayment. According to the loan application of the enterprise, the bank examines the financial status, credit status, profit stability, development prospect and feasibility of loan investment projects of the enterprise. After the bank approves the loan, it will further negotiate the specific conditions of the loan with the borrowing enterprise, and make clear the type, purpose, amount, interest rate, term, repayment source and method, guarantee conditions, liability for breach of contract, etc. And make it legal in the form of a loan contract. After the loan contract comes into effect, the enterprise can get the loan.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.