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Can institutions borrow money from banks?
First, can institutions borrow money from banks?

The answer is that some administrative institutions can borrow money from banks, such as medical, health, education, culture, sports and other administrative institutions. Now many hospitals, universities, primary and secondary schools, Xinhua Bookstore and stadiums can borrow money from banks.

2. I am an employee of a public institution and want to apply for a credit loan of 300,000 yuan from China Merchants Bank for more than five years. May I approve it?

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

3. Is it legal for the government to let institutions borrow money from banks on its behalf?

(1) If you don't borrow in the name of the company, or the company doesn't provide guarantee when you borrow, your borrowing behavior is not necessarily related to your job transfer, and your company refuses your loan transfer on the grounds that you haven't returned the bank loan, which infringes your contractual rights.

(2) If the loan does have a legal relationship with the unit, then the unit's practice has a legal basis. You should repay the loan in time to reduce the responsibility of the unit due to your behavior.

4. Is it legal for the government to let institutions borrow money from banks on its behalf?

Maybe you are an ambitious young man who is preparing to start a business. Maybe you are a private entrepreneur who intends to expand the scale of the enterprise; Maybe you are a small merchant who is actively expanding its business scope and waiting for business opportunities at any time; Maybe you are a farmer or self-employed who is trying to get rid of the existing state; Perhaps, when you make unremitting efforts, the problem of funds deeply bothers you? On the one hand, it is a fleeting business opportunity, on the other hand, it is an urgent financial problem. What kind of financial institutions should we seek help from in order to obtain funds as soon as possible and win a place for enterprise development? With the vigorous development of private economy in our province, a large number of small and medium-sized enterprises have sprung up, and more "financing" needs have emerged. Non-governmental financial institutions & companies have become an effective supplement to traditional financial institutions' loans to small and medium-sized enterprises because of their unsecured, fast and flexible lending characteristics.