All enterprises with legal personality, enterprises without legal personality, institutions as legal persons and other borrowers who need to apply for loans from various financial institutions and handle credit business such as acceptance bills, letters of credit, letters of credit, guarantees and guarantees. , must apply for a loan card to the downtown branch or county branch of the People's Bank of China where its business license (or other valid documents) is registered.

1654381The Decision of the State Council on Cancelling and Adjusting a Batch of Administrative Examination and Approval Items (Guo Fa [20 14] No.50) promulgated on October 24th explicitly canceled the examination and approval of the issuance of credit cards, and the People's Bank of China stopped processing the issuance of credit cards from February 5th, 20th14th.

According to the authorization of the head office of the People's Bank of China, the Central Branch of the People's Bank of China and its subordinate branches are the credit card management organs, responsible for the issuance, extension and supervision and management of credit cards. The loan card refers to the magnetic stripe card issued by the branch of the People's Bank of China to the borrower or guarantor for the enterprise credit information system, and it is the qualification certificate for the borrower to apply for credit business or the guarantor to provide guarantee.

Extended data:

Company basic information:

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

Personal data:

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.