2. You can apply through outlets or online formal channels. The bank will make a comprehensive evaluation based on the application materials provided by individuals, and finally decide whether to lend and how much money to pay.
：
1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Third, advantages:
1. Due to the high marketing cost of bank micro-loans, it is difficult for small enterprises to apply for loans directly from banks, resulting in small enterprises having to seek help from financing institutions such as loan guarantee institutions when they have financing needs. The cost for loan guarantee institutions to select customers is relatively low, so selecting high-quality projects from them and recommending them to cooperative banks will improve the success rate of financing and reduce the marketing cost of bank microfinance.
2. In addition, banks are reluctant to invest in small loans in terms of risk control of loans. An important reason is that the management cost of such loans is high and the income is not obvious. For this kind of loans, loan guarantee institutions can optimize the management process of loans, form personalized services for post-loan management, share the management costs of banks, and eliminate worries of banks.
3. Secondly, after the risk is released, the advantages of loan guarantee institutions are irreplaceable. The project of bank direct loan is risky, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some loan guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the loan guarantee institutions will resolve the risks through their more flexible handling methods compared with banks.