Nowadays, many people are complaining that the survival of small and medium-sized enterprises is extremely difficult, not only to bear the pressure brought by the market, but also to obtain financing loans. In fact, major banks have requirements for corporate loans, and many corporate loans have been rejected for some reasons.

1, profitability

This indicator, like the income in personal loans, can guarantee sufficient repayment ability, so banks attach great importance to it. General banks require that net profit cannot be negative.

2. Overdue tax arrears

Paying taxes on time is an obligation that enterprises should fulfill. If there is tax arrears information, it will be recorded in the tax bureau system, which will not only lead to tax arrears and late fees, but also affect the reputation of enterprises.

3. Tax credit rating

Generally, the corporate tax grades accepted by state-owned banks are A, B and M, and some small banks are willing to accept C, but the interest rate will be raised. If the tax grade is D, it is basically more difficult.

4. Corporate liabilities

Generally speaking, 5 million yuan is a standard for small and medium-sized enterprise credit loans, and some banks explicitly require enterprises with debts of more than 5 million not to pass.

5, industry attributes and status

The work unit of personal loan is also more important. Some industries with risks and high turnover rate are not easy to apply for loans, and so are enterprises. Generally, many enterprises support physical manufacturing. The banned enterprises also include direct selling agencies, financial companies, leisure and entertainment industries, as well as some jade articles and jewels.

6. Comparative analysis of industry regions

If the overall reputation of the industry or region where the enterprise is located is not good, a large-scale default may also trigger a risk warning.