What are the channels for SMEs to divide loans into collateral as a whole?

I. Comprehensive Credit Granting

That is, for some credit lines with good operating conditions and a certain amount during the credit period, the enterprise will apply for approval at one time within the validity period and scope of the credit line. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

Second, the credit guarantee loan

At present, more than 100 cities in 3/kloc-0 provinces and cities in China have established the form of credit system management for small and medium-sized enterprises, which belongs to public service, industry self-discipline and self-non-profit. The security fund consists of political appropriation, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can seek guarantee services from small and medium-sized enterprises, and small and medium-sized enterprises can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise can't provide guarantee measures acceptable to the bank, such as mortgage, pledge or third-party guarantee company can solve these problems and ensure that the enterprise's requirements for collateral are more flexible. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

Three. project

If some high-tech small and medium-sized enterprises have high-value scientific and technological achievements transformation projects, the initial investment amount is relatively large, and the enterprise's own funds are unbearable. Give active credit support to small and medium-sized enterprises that can apply for project development technology from banks, have good market prospects, and use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

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2. What are the types of SME loans?

Generally speaking, SME loans are divided into mortgage loans and.

As far as the current situation is concerned, the main sources of loan financing for ordinary small and medium-sized enterprises are three aspects:

I. Banks

Features: complicated loan procedures, high credit threshold, limited use of funds, long approval period and low interest. Suitable for small and medium-sized enterprises with good credit, certain scale and long-term support.

Although many banks provide fast loan services, they still cannot meet the financing needs of ordinary small and medium-sized enterprises. For example, the fast loan service for small and medium-sized enterprises launched by Industrial and Commercial Bank of China and Bank of Beijing still stipulates the use scope of funds, and the loan time is still relatively long.

Second, pawn shops.

Features: the loan procedure is simple, there is almost no threshold, the scope of fund use is unrestricted, the loan can be made on the same day at the earliest, and the loan method is flexible, but the interest is higher than the bank interest. Pawn mortgage loans mainly take physical objects as collateral, and pay attention to whether the pawned items are genuine.

Suitable for ordinary small and medium-sized enterprises in the short term. For example, the SME loan service launched by Huaxia Pawnshop and Minsheng Pawnshop can be released within 2-3 working days. It greatly facilitates the short and medium term of small and medium-sized enterprises.

Third, private lending.

Features: In addition to the highest loan interest rate and relatively high risk, there is also a credit guarantee. Other features are basically the same as those of pawn shops. Such as remittance loan. The difference here is mainly because the first two financing methods are allowed by national laws, while many private loans are evaded by laws and need to be identified.

Extended data:

operation flow

1. The enterprise applies for a working capital loan from the bank and provides relevant materials of the enterprise and the guarantor (if necessary).

2. Sign loan contracts and related guarantee contracts. After an enterprise's loan application is approved by SDB, banks and enterprises need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.