Just like credit loans have high requirements for individuals, credit loans have unambiguous requirements for enterprises.

1. The total loan amount shall not exceed the owner's equity; 2. The asset-liability ratio is less than 50%; (3) The loan repayment amount has reached the loan turnover times of more than 5 times, and the average daily deposit has remained above 65,438+00% of the loan amount; 4. Both net cash flow and net operating cash flow are greater than zero; 5. No bad credit record; 6. The tax risk is relatively small.

There are two reasons, one is profit, and the other is intra-industry competition.

Since banks dare to issue credit loans, it shows that the risk of credit loans has been evaluated and the conclusion is profitable. Banks need to develop constantly and beat their peers, but also need to develop new businesses, and credit loans are one of these businesses. However, when individuals or enterprises apply for credit loans, they should carefully analyze whether it is cost-effective, and must not apply rashly.