I think personal finance is easier to test, and many things can be encountered and associated with it. I think risk management is the most difficult test. It is so boring. I'm going to vomit blood after reading it

2. What are the main differences between personal loans and corporate loans in commercial bank loans?

1, different loan entities. The subject of personal loan is a natural person, and the loan bears unlimited liability; The main body of corporate loans is corporate enterprises, which bear limited liability and unlimited liability for loans. 2. Loans have different uses. Personal loans can be used for business or personal consumption; Moreover, loans can only be used for the construction of fixed assets or to supplement working capital. 3. The longest loan period is different. The mortgage period of personal loans can be 30 years or even longer, while the longest in the actual operation of corporate loans is only 15 years. 4. Bank approval paths are different. Personal loan approval path is relatively short, and the approval procedure is simple; However, the enterprise loan approval path is long and the approval procedure is complicated. Whether it is a personal loan or a business loan, it is difficult to get a loan without a mortgage. This point is not easy to control. Banks can accept certificates of deposit, accounts receivable, checks, drafts, warehouse receipts and other pledges. The first way for individuals to apply for loans: Generally speaking, there are two ways for individuals to apply for loans. If the borrower does not have a formal job and wants to apply for a loan, he needs to use the names of relatives and friends, because he cannot apply for a loan without working ability. Of course, if the borrower owns a house or a car, he can apply for a mortgage loan. Second, if the borrower has a stable working income, he can apply for an unsecured loan, which is the borrower's credit loan. If he wants to apply for a loan successfully, he needs the borrower's personal credit record to be spotless and have a stable income. The way enterprises apply for loans is different from the way individuals apply for loans. To write out the basic situation of the enterprise, the content must be detailed. Among them, to focus on the preparation of enterprise income and fixed assets investment projects, it is also necessary to prepare basic information of enterprise legal persons. It is a very troublesome thing for enterprises to apply for loans. When applying for a loan, you should also explain the amount and purpose of the loan. Generally, the loan amount of enterprises is huge, so it is necessary to prepare real information for the loan company. Only in this way can we successfully apply for loans. The above is Bian Xiao's explanation of "the difference between personal loans and corporate loans". Here Bian Xiao tells you that there is a problem between corporate loans and personal loans that may be easily misunderstood by everyone, that is, corporate loans, and people often misunderstand corporate loans and corporate loans. Corporate loan means that this person is the representative of the corporate bill holder and can exercise the loan authority of the legal representative. Company loans are in the name of the company with the consent of the legal representative, and personal loans are in the form of assets in their own names. Legal basis: Article 11 of the General Principles of Loans in People's Republic of China (PRC), loan term: The loan term shall be determined by the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

3. Which is more difficult, personal loan or enterprise credit?

Actually, it's the same. As long as the borrower meets the loan conditions, it will lend money after approval, mainly because individuals don't know how to handle it, and the procedures are troublesome. It will be more convenient for the staff to inform him through the company.

4. What are the shortcomings of operating loans?

1. The threshold for applying for bank loans is high.

Although the bank has abundant funds and strong background, it costs 9 Niu Yi dollars for enterprises to apply for a little corporate loan. However, it is not so easy for enterprises to get loans from banks. Under normal circumstances, the control of bank credit risk is very strict, which often requires high qualifications, credibility and repayment ability of enterprises. As long as one item fails to meet the requirements of banks, enterprises may not be able to obtain loans from banks, which is why it is so difficult for banks to apply for corporate loans.

2. Slow loans take a long time.

It often takes a long time to apply for a commercial loan in a bank, as short as 40 days a month, so people who are in urgent need of funds often cannot be satisfied.

3, lax audit is easy to be refused loans.

In order to reduce the risk of bank loans, banks will strictly examine every loan, especially the personal loan qualification, credit standing, liabilities, bank liquidity and so on. Do not meet the requirements of the bank, you can decide to lend.