Rmb working capital loan is a loan to meet your short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge. According to the way of use, it can be divided into short-term revolving loans that are applied one by one and audited one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit stipulated by the bank.

As an efficient and practical financing method, RMB working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a banking business favored by customers.

Application conditions

1. The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households, etc. Approved and registered by the administrative department for industry and commerce (or competent authority), with the Business License of Enterprise as a Legal Person issued by the administrative department for industry and commerce;

2. The purpose of the loan should be economic and can repay the principal and interest on time;

3. Meet the requirements of other relevant bank loans.

information giving

1. Loan application;

2. Certificate or power of attorney from the legal representative of the enterprise, resolutions of the board of directors and articles of association;

3. Business license (copy) of the enterprise (legal person) that has passed the annual examination;

4. The audited financial statements and recent financial statements of the borrower in the last three years;

5. Loan card;

6. Other documents and certificates required by the bank.

Application procedure

1. The applicant contacts the business department of the banking company to apply for a loan and provide the above materials;

2. The bank shall examine the application materials of the borrower;

3. After the internal audit of the bank is passed, both parties sign the RMB working capital loan agreement and other relevant agreements (such as guarantee contract, mortgage contract, pledge contract, etc.). );

4. The borrower opens a loan account in the bank to withdraw the loan.