Enterprise loan process
1. When an enterprise applies for establishing a credit relationship, it shall submit an application for establishing a credit relationship in duplicate. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The investigation contents mainly include: ① the legality of enterprise operation. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope. (2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements. ③ Whether the enterprise and its main products belong to the development sequence of national industrial policy. (4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance. ⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated. 6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term? After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises should sign a contract to establish a credit relationship and apply for a loan. An enterprise that has established a credit relationship may apply for a working capital loan from the bank according to the reasonable working capital demand in the process of production and operation. Take an industrial production enterprise as an example. When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted. According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application.
2. loan review the main contents of the loan review are: ① the direct use of the loan. Direct uses that meet the scope of working capital loan support for industrial enterprises are: reasonable purchase of goods to pay for goods; Submit notes payable; Advance payment approved by the bank; Special loans are used according to the prescribed purposes; Other purposes that meet the requirements. (2) The recent operation of the enterprise. It mainly includes the procurement, consumption and storage of materials, the supply, production and sales of products, and the occupation level and structure of working capital; Credit status; Economic benefits, etc. (3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan. ④ The development prospect of the enterprise. It mainly refers to the development prospect of the industry to which the enterprise belongs, the development direction of the enterprise, the product structure, life cycle and new product development ability, the practical work ability of the main leaders, the management decision-making level and the pioneering and innovative ability. ⑤ Debt capacity of enterprises. Mainly refers to the actual amount of the enterprise's own liquidity and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of self-owned liquidity to total liquidity and the debt ratio of current assets of enterprises.
3. Signing a loan contract A loan contract is an agreement that the lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the borrower will repay the principal and interest at maturity. This is an economic contract. The loan contract has its own characteristics. The object of the contract is currency, and the lender is generally a national bank or other financial institution. The loan interest is stipulated by the state, and the parties cannot agree at will. The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it. The loan contract should have the following terms: ① loan type; (2) the purpose of the loan; ③ loan amount; (4) loan interest rate; (5) Term of the loan; (five) the source of repayment funds and repayment methods; ⑦ Guarantee clause; 8. Liability for breach of contract; Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives.
4. After the loan issuing enterprise applies for a loan, both banks and enterprises shall sign relevant loan contracts according to the types of loans. When signing the contract, you should pay attention to the accuracy of the project, the clarity and neatness of the text, and you must not alter it; The official seals of the borrower, lender and guarantor and the signature of the legal representative are complete and correct. The borrower opened an iou. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or it can be signed at one time or in installments within the amount and effective time stipulated in the contract. Bank managers should carefully examine and check whether the contents of the loan application are correct and consistent with the loan contract. After the loan application is verified correctly, fill in the Notice of Loan Issuance, and the letter clerk, department (unit) head "two signatures" or the president (director) "three signatures" will send it to the bank accounting department to handle the loan transfer to the borrower's account. After the loan application form and the loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account. Under normal circumstances, from the date of acceptance, the bank will review the loan time for the bank credit department according to the legal response period (20 working days for short-term loans and/0/30 working days for medium-and long-term loans).
Second, the corporate bank app loan process?
1. Submit a loan application
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide relevant information.
2. The bank is inspected.
(1) After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions.
(2) the borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
(3) loan investigation. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
3. Sign a loan contract
After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.
Matters needing attention for enterprises to apply for bank loans:
Enterprise qualification survey: usually, when applying for a loan, the lending institution will investigate the enterprise's own conditions to see whether the enterprise meets the relevant loan conditions, which generally includes enterprise prospects, enterprise income, normal operation of the enterprise, enterprise scale, etc. The main purpose is to judge whether it has strong repayment ability.
Observe the reputation of enterprises: individuals will check their credit records when applying for loans, and enterprises are no exception. For this reason, lending institutions will also require enterprises to have a good reputation to judge their loan qualifications. If the enterprise has a bad reputation, its repayment ability will also be threatened.
Understand the purpose of the loan: Generally speaking, when an enterprise applies for a loan, the lending institution will require the enterprise to earmark the loan funds, which must be used only for the business turnover of the enterprise and not for real estate investment, stock trading, smuggling and other risky purposes. If the enterprise can't use the funds for the specified purpose, the lending institution will refuse the loan.
Operating conditions: Different from personal loans, when an enterprise applies for a loan, the lending institution needs to inspect the operating conditions of the enterprise. If the enterprise is poorly managed and its business is bleak, and the repayment ability is weak in the eyes of the lending institution, even if it applies for a loan, it will be returned to its original shape.
Corporate debt ratio: Although you can apply for a loan again even if you already have a loan burden, if the corporate debt ratio is too high, you need to verify the existing financial risks and repayment ability. Usually, lending institutions will not issue loans easily. According to relevant regulations, an enterprise's asset-liability ratio must be less than 70% to qualify for a loan.
3. What are the application conditions for China Industrial and Commercial Bank's personal small short-term credit loan?
China citizens who have a fixed residence in China, have full capacity for civil conduct and meet the following conditions may apply for personal small short-term credit loans. 1. Administrations and enterprises with legitimate occupation and capital income must be above 1000 yuan), repay the loan principal and interest on schedule, be recognized by the bank, and have a good cooperative relationship with the bank; 3. Abide by the law, and have no illegal acts and bad records; 4. Other conditions stipulated for deduction from the designated personal settlement account opened in China Industrial and Commercial Bank.
4. What is the application process of "Bank of China E Loan and Bank Tax Loan" for China Bank's new enterprise mobile banking?
The main operation of "Bank of China Enterprise Tax Loan E Loan" needs the following steps: 1. Log on to the website of the local tax department, the interactive platform of bank tax or other network channels recognized by the tax department, and initiate tax data authorization. 2. Submit the product application through the new enterprise online banking/new enterprise mobile banking. 3. Within 20 natural days (inclusive) after the application submitted by the enterprise is approved, the legal representative of the enterprise needs to log in to the personal mobile banking to confirm the information, authorize the data and sign the loan contract. 4. After signing the contract, the enterprise can make repayment through online banking of new enterprise/mobile banking of new enterprise/mobile banking of legal representative. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.