Requirements for corporate loans: 1 is highly polluting and energy-consuming, and enjoys a good reputation in commercial banks. 3. Have a business license for industrial and commercial administration and a RMB card; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits; 5. Have the ability to perform contracts 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; 6. The operator or actual controller has good working experience and no bad personal credit record; 7. The business is stable, with financial reports for one or more fiscal years in principle, and positive sales revenue growth and gross profit for two consecutive years; 8. Conforming to the policy of organizational system and small enterprises; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank.

The process of enterprise loan: (1) application: the enterprise applies for loan guarantee; (2) inspection: inspect the operation and financial status of the enterprise and the owner of the mortgaged assets, and initially determine whether to guarantee; (3) Communication: communicate with the loan bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank; (4) do a good job in loan guarantee and counter-guarantee agreement, asset mortgage, registration and other legal procedures, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with banks and enterprises; (5) Loans: Banks are approving loans to enterprises, and at the same time charging guarantee fees to enterprises; The use of loans and the operation of enterprises, through the quarterly tax payment, electricity consumption, cash flow growth or decrease, the most direct tracking and inspection of the operation of enterprises.

The Civil Code stipulates that the guarantor must have certain qualifications, such as kindergartens, hospitals and other guarantors for the purpose of public welfare. But in practice, some loans are guaranteed by some state organs. Since the funds of state organs and institutions depend on financial allocations, they have no right to deal with them. In fact, this guarantee becomes invalid.

Two. What are the conditions and procedures for enterprises to borrow money from banks?

The loan applicant applies to the bank and fills in the application form in writing.

At the same time, submit the following information:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Proof of income or personal assets;

5. In case of mortgage loan, it is required to provide the ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the certificate of marital status and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

6. Loan use plan or statement;

7. Other information required by the bank.

3. What are the procedures and conditions for enterprise loans?

Enterprise loans must meet the following conditions: 1, and there is no bad credit record; 2. The company with business license is in operation; 3. Ability to perform contracts and repay debts; 4. The operator or actual controller has worked for more than 3 years and has no bad personal credit record; 5. The business operation is stable, and the establishment period is more than 2 years in principle; 6. Open a basic settlement account or a general settlement account. What is the company's loan process 1, loan application. Apply directly to the agency of the host bank or other banks; 2. Banks are under review. The bank verifies the customer's situation and judges whether it has the conditions to establish a credit relationship according to the bank loan conditions; 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; 4. Issue loans. The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages; 5. Post-loan inspection. After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation; 6. Loan repayment. The borrower shall repay the loan principal and interest in full and on time according to the provisions of the loan contract, and go through the withdrawal procedures according to the provisions. Legal basis: Article 14 of the Interim Measures for the Administration of Personal Loans The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.