Legal analysis: 1. The company must be an enterprise approved and registered by the administrative department for industry and commerce. The company has a fixed business place and necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability. 3. The company has a sound financial accounting system. When making a loan, it is required to provide business statements and statistical statements to the bank. The company abides by national laws, regulations and policies and operates according to law. Other conditions: 1, a natural person aged between 18 and 65 years old, the borrower's actual age and loan application period are not more than 70 years old, he has a stable job, a stable income, the ability to repay the loan principal and interest on time, good credit information, no bad record, legal use of the loan and other conditions stipulated by the bank. Required materials 1, valid identity documents of the borrower and spouse, original and photocopy of marriage certificate, local permanent residence certificate or local long-term residence certificate of the borrower and spouse, business license for production and operation, and permission to operate. The original and photocopy of the business license of the relevant administrative department, the tax payment certificate of production and operation activities, the borrower's spouse's commitment to repayment, the pledge right certificate required by the borrower to obtain the amount of mortgage (pledge), the list of mortgage (pledge) and the ownership certificate, the written documents of the owner and property agreeing to mortgage (pledge), and the collateral evaluation report issued by the evaluation department recognized by the second-tier branch of the bank (inclusive) or above shall be provided.
Legal basis: Article 115th of the Company Law of People's Republic of China (PRC). The company may not provide loans to directors, supervisors and senior managers directly or through subsidiaries. The current company law has made strict provisions on the obligations of directors, supervisors and senior managers, requiring them to abide by and faithfully perform their duties, and not to use their position and authority in the company for personal gain. Due to the dispersion of shares, it is difficult for shareholders, especially small and medium shareholders, to supervise the directors, supervisors and senior managers of the company. In practice, the directors, supervisors and senior managers of the company provide loans to themselves through the company or its subsidiaries, transfer the company's assets and empty the company, which seriously damages the interests of the company and shareholders. In view of this situation, the newly revised Company Law has added this provision, which prohibits companies from providing loans to directors, supervisors and senior managers directly or through subsidiaries. If the company provides loans to directors, supervisors and senior managers directly or through subsidiaries, the company's shareholders or creditors may claim that the loans are invalid and the company suffers losses. Directors, supervisors and senior managers who have obtained loans and those responsible for providing loans to them shall be liable for compensation according to law.
What are the conditions for ICBC to handle corporate loans?
1. What are the conditions for ICBC to apply for loans to small and micro enterprises?
(1) To apply for a small and micro enterprise loan from ICBC in the name of the company, the basic conditions of the lender are:
1, which meets the basic conditions for ICBC to handle loans;
2. The credit rating of the lender is above Grade A;
3. Approved and registered by the industrial and commercial department, holding a loan card issued by the People's Bank of China (China logo code);
4. Open a basic account or general settlement account in China Industrial and Commercial Bank;
5. Other requirements of ICBC: tax payment certificate, enterprise running water, contract orders, water and electricity invoices, etc.
(2) Apply to ICBC for a small and micro enterprise loan in the name of an individual. The basic conditions of the lender are:
1. A natural person with full capacity for civil conduct, aged between 18 and 60, and having two or more * * * borrowers at the same lender, must meet the above age conditions. Except the spouse, the same lender must be the investor or shareholder of the same business entity or project;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;
3. The lender has legal business qualifications, and can provide business licenses, business licenses, merchant business licenses, booth licenses or other legal and effective business qualifications for individual industrial and commercial households, partnerships and enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good repayment record and willingness to repay, and the lender and its business entities have no bad credit records in the Bank and other known financial institutions;
6. The credit rating in our bank is above Grade C (inclusive);
7. Other conditions required by China Industrial and Commercial Bank.
Two. Introduction of ICBC's loan process for small and micro enterprises;
1, submit the application materials.
Lenders apply for loans from ICBC, mainly submitting the materials needed for loans.
Step 2 sign a contract
If it is considered feasible after the approval of ICBC, the lender shall sign a loan contract, a guarantee contract and other legal documents with ICBC.
3. Implement safeguards
If a guarantee is required, after signing a loan contract with ICBC, the lender shall further implement the third-party guarantee, mortgage, pledge and other guarantee measures, go through the formalities of guarantee registration, notarization or mortgage insurance, and deposit the pledge with ICBC.
4. Loan acquisition
When the lender completes the relevant procedures before issuing the loan and the loan contract comes into effect, ICBC can issue the loan to the lender, and the lender can use the loan according to the purpose agreed in the contract.
5. Repayment
The loan enterprise repays the loan in the way agreed in the contract.
3. What are the loan application materials for small and micro enterprises of ICBC?
1, business license, organization code certificate, tax registration certificate, or business license (such as three certificates in one), and the latest annual inspection certificate is required;
2. Identification certificate of the legal representative;
3, approved by the finance department or accounting (auditing) firm for the first three years and the latest financial statements and audit reports (if the enterprise has been established for less than three years, provide the annual and recent statements since its establishment);
4. Company contract or articles of association;
5 members of the board of directors (shareholders' meeting), the main person in charge, the financial person in charge of the list and signature samples;
6. If an authorized customer is entrusted to handle the credit business, the power of attorney of the legal representative of the enterprise (original) shall be provided;
7. If the lender is a limited liability company, a joint stock limited company, a joint venture company or a contracting enterprise, it is required to provide a resolution, document or document with the same legal effect that the board of directors (shareholders' meeting) or the employer agrees to apply for credit business;
8. Relevant materials of the guarantor;
9. Other information required by China Industrial and Commercial Bank. (If you have any loan needs, please contact us through the lower right corner, and we will provide you with a bank loan suitable for your own loan scheme. )
What conditions do enterprises need to apply for loans?
What are the requirements and the latest process for enterprises to apply for loans?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
Click online measurement
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
What are the conditions for enterprise loans?
Enterprise loan conditions: 1. An enterprise must be registered with the approval of the administrative department for industry and commerce, hold a business license and carry out independent economic accounting. Enterprises are responsible for their own profits and losses, that is, enterprises have the right to produce and operate independently; 2. Independent financial plans and financial statements of independent operating funds; Independent accounting of profits and losses, signing purchase and sale contracts; 3. There is a fixed amount of self-funded enterprises, without a fixed amount of self-funded losses, there will be a crisis, and bank loans and credit funds will suffer losses. Abide by the policies and regulations of bank credit and settlement management system, and open a deposit account similar to that of basic account in the bank as required; 5. Production and operation benefits The business products produced by enterprises must be marketable in the market. Short-term products can bring benefits to social enterprises and improve the utilization rate of credit funds.
What are the requirements for applying for enterprise credit loans?
1, and the credit rating of corporate customers is at least AA- or above; The enterprise has been established for more than 3 years and is in good operating condition; The applicant applying for enterprise credit loans has a good credit, and his personal loan has no overdue record for nearly three months; , enterprise management norms, no evasion of debts, arrears of interest and other bad credit records; The company's operating income and profits have increased continuously in the past three years; The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable; The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million; Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months, and monthly reports for the last month; The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this; Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.
What are the loan terms for banks and enterprises?
What are the loan terms for banks and enterprises? List of bank and enterprise loans
In the process of enterprise management, this kind of situation often happens. It is undoubtedly a good idea to apply for a bank loan at this time. However, enterprises applying for bank loans must first meet the basic conditions. So, what are the loan conditions for banks and enterprises?
Enterprise loan conditions:
1. The enterprise has been approved and registered by the administrative department for industry and commerce (or the competent authority), holds the business license issued by the administrative department for industry and commerce, and passed the annual inspection;
2. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;
3. The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;
4. Guarantee units recognized by banks provide guarantee or mortgage (pledge) guarantee;
5. Meet the requirements of other relevant bank loan policies.