If you want to check whether the company has a loan, you can go to the local people's bank and apply to the staff at the service hall window. The company fills in the Application Form for Inquiry of Enterprise Loan Card, and provides information such as the letter of introduction of the company and the ID card of the agent to the staff, who will enter the credit management system to help inquire about the enterprise loan situation.

In addition, you can also directly view the accounting books of the enterprise. Of course, it should be noted that not everyone can inquire about the loan situation under the company name, but managers and relevant management personnel of the enterprise can generally inquire.

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.

Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.

According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.

1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).

2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).

3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).

Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.

According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:

Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.

Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.