As the saying goes, it is easier to borrow than to borrow, and it is not difficult to borrow again. Once upon a time, if you abused the trust of the bank, it was always overdue, which was undoubtedly the taboo of the bank, and the loan was rejected in nine cases out of ten. And if you want to restore integrity and add a beautiful scenery to the enterprise credit report, I'm afraid it can only be proved by time and sincerity.

2. Commercial credit

If enterprises deliberately maintain bank credit, then commercial credit will make banks see it more thoroughly. Through the investigation of upstream enterprises, banks will know whether enterprises have the habit of often defaulting on payment for goods; Or through conversations with employees of enterprises, investigate whether enterprises have the habit of defaulting on wages. It is conceivable that all negative information will have a negative impact on the approval results of corporate loans.

3. Financial credit

Beautiful financial statements can be pleasing to the eye, but if they are not "natural beauty", the credibility of enterprises will be greatly reduced. In fact, it is very simple to distinguish the authenticity of financial statements according to the professional standards of banks. It is nothing more than checking a series of financial information such as bank running water and tax payment certificate, and the truth will soon surface.

4. Credit utilization

Since it is an operating loan, the funds will naturally flow to the management. If funds want to enter high-risk areas such as stock market, property market and bond market, banks will become angry from embarrassment, put on a cold face and directly shut you out. In order to verify the authenticity of the purpose of the enterprise loan, the bank will check the authenticity by checking the purchase and sale contract and directly remit the money to the enterprise account of the enterprise partner.