Opening process (taking China Industrial and Commercial Bank as an example):

1. The applicant applies to the loan bank, and the loan bank conducts a loan investigation and reports it to the branch for approval. After approval, the loan funds will be paid to the agreed account.

2. Customers should provide the following information when applying for loans:

(1) Fill in the loan application form.

(2; Original and photocopy of valid identity documents and marital status certificates of the borrower and spouse.

(3) Annual business license (or valid business license, merchant business license, booth license, etc.). ) and the property right certificate or contract lease certificate of the business premises.

(4) Proof materials reflecting the operating conditions and repayment ability of the borrower or its business entities.

(5) Other materials required by the lending bank.

Extended data:

Venture loan "has certain threshold";

Banks generally need three conditions to provide loans to enterprises or individuals: pledge, mortgage and guarantee. Pledges include certificates of deposit, treasury bills and corporate bonds. Collateral refers to real estate such as land, real estate and enterprise equipment. The guarantee is mainly provided in whole or in part by some guarantee companies recognized by banks.

Investors should pay attention to the fact that it is generally difficult to obtain a loan of 100% by pledge and mortgage. Taking mortgage as an example, the loan amount may be 60% or 30% of the value of the mortgaged goods, and the cost of the guarantee to be paid to the guarantee company is high.

In order to control risks and simplify various loan procedures, many banks have adopted various means. For example, in view of the shortage of talents and irregular financial management in the initial stage of some private enterprises, Guangfa Bank sent special personnel to implement "credit counseling management" for enterprises.

Provide enterprises with necessary consultation and training in banking, accounting system and credit rating, help enterprises to establish a comprehensive credit system, and provide private enterprises with all-round financial services such as deposit, settlement, collection and payment, information consultation and financial consultancy. Both banks and enterprises have achieved the goal of sharing operational risks and making profits together.

Although individual venture loans are warmly welcomed by the vast number of individual operators and private owners, there are still some unavoidable problems. This kind of business object is some small and medium-sized private enterprises, whose main body is individuals, but their nature is companies. That is to say, it refers to loans between corporate loans and personal consumption loans for small and medium-sized enterprises to invest and operate customers.

However, Document No.330 issued by China People's Bank 200 1 clearly stipulates that commercial banks shall not issue personal consumption loans without specific purposes. This is mainly to prevent bank funds from flowing into the stock market. Therefore, banks are reluctant to give up this huge credit market, but they have some scruples about it.

In addition, the uncontrollable risks in entrepreneurship also make banks set a higher threshold when lending, which also makes some entrepreneurs question that "venture loans look beautiful, but it is still difficult to do".

At present, individual venture loans are still in the primary stage of development, and clear policy guidance is still needed. It is necessary to establish special management for small and medium-sized enterprises to make their capital and integrity transparent. Only in this way can individual business loans go further and be more stable.

References:

Personal Employment Loan-China Industrial and Commercial Bank website