2. Enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the 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. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, corporate time pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discount, commercial acceptance bills discount, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
3. Application conditions:
A, in line with national industrial and industrial policies, does not belong to high pollution, high energy consumption of small enterprises;
B the enterprise has a good reputation in all kinds of commercial banks and has no bad credit record;
C. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
D, have the necessary organization, management system and financial management system, have a fixed foundation and business premises, operate legally, and the products have market and benefits;
E, have the ability to perform the contract and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
F the operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
G. The enterprise operates steadily, its establishment period is in principle more than 2 years (inclusive), and it has at least one fiscal year's financial report and financial report, and its sales revenue growth and gross profit are positive for two consecutive years;
I. Relevant small enterprises that meet the policy of establishing industry credit;
J. Comply with national financial laws and regulations and relevant banking regulations;
K. Open a basic settlement account or a general settlement account with the applicant bank.