Bank-tax loan refers to the introduction of small and medium-sized business owners by banks, based on business data such as tax information and invoice records of enterprises in the tax department, and then granting credit to enterprises, so that enterprises can borrow and use them as they like, and truly realize inclusive finance. When handling specific requirements, banks need to be consulted, and many banks raise funds in this way.

In order to support the real economy and help the development of small and medium-sized enterprises, the tax department strengthens the social influence of tax credit with the help of "tax credit rating", so that honest tax paying enterprises can enjoy the development dividend. Banks regard the tax credit rating of small and micro enterprises as an important basis for issuing pure credit loans to enterprises.

Tax credit loan means that an enterprise applies for a loan from a bank by using the tax credit rating assessed by the tax department without providing mortgage and guarantee. After the applicant independently authorizes on the interactive service platform of bank and tax, the bank can further credit the enterprise through data sharing analysis. This is an innovative financing model, which can complete loan application, approval and lending online. Tax credit financing is a unique field of bank credit business and a financing channel for small and medium-sized enterprises.

The loans handled by enterprises must be returned on time, otherwise it will have a bad influence on the credit of enterprises and also affect the development of enterprises. In order to prevent the enterprise from failing to repay the loan on time, it is best for the enterprise to measure its repayment ability before handling the loan and know what income to use.