After the enterprise has handled the loan card, its credit business information (loan, bank acceptance bill, letter of guarantee, credit extension, etc.). ), memorabilia information (default interest, litigation, credit rating, etc. ), guarantees, financial indicators and other related information are registered in the enterprise credit database, and financial institutions can query the credit status of enterprises through this system and make correct credit decisions.
After handling the loan card, the bank can inquire about the basic information, financial status, bank loans and loan repayment of the enterprise through the credit information system of the People's Bank of China, so as to judge the credit status of the enterprise and whether to grant loans to the enterprise.
In other words, having a loan card is beneficial for enterprises to obtain credit support and reduce financing costs. Enterprises with good credit records, such as timely repayment and no interest default, are often easy to get credit support from financial institutions, and enterprises with large scale, strong strength, good benefits and good prospects may also get more favorable interest rates, thus reducing financing costs.
The advantages of loan card can enable enterprises to enjoy the fast credit service of financial institutions. Financial institutions can easily find the credit information, financial index information and memorabilia information of enterprises through the enterprise credit information system, thus shortening the credit information time of enterprises and accelerating the speed of financial institutions to handle credit business for enterprises.
Tips: Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and credit institutions, and loan types are divided into personal loans, auto loans, housing loans, provident fund loans, consumer loans, credit loans and unsecured loans. 20 13 The latest loan interest rate is specifically positioned as follows: 1. Short-term loans for six months to one year are: 1. 180 days (inclusive) 5.6%; 2. 180 days to 365 days (inclusive) 6%. 2. The medium and long-term loan interest rate for one year to more than five years is: 1. One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years, 6.55%. In response to the national call for personal credit reporting, Kuaiyi Loan advises users to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.
For more information about loans, please pay attention to Quick Easy Loan Encyclopedia:/
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.
(1) Enterprises (units) and individuals applying for a loan card download the balance sheet, profit and profit distribution statement and cash flow statement on the website of the municipal government, fill in the information and copy it, and then go to the People's Bank of the place of registration to go through the formalities of obtaining the card.
(two) different types of borrowers bring the following documents to the People's Bank to apply for a card:
1, enterprise card guide
(1) loan card application form;
(2) The original and photocopy of the Business License for Enterprise as a Legal Person or the Business License (limited to the unincorporated enterprise authorized by the legal person enterprise) that has been inspected annually in that year;
(3) The original and photocopy of the People's Republic of China (PRC) Organization Code Certificate that has been inspected in that year;
(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;
(five) the original and photocopy of the capital verification report of the registered capital of the enterprise or the proof of the source of the registered capital;
(6) The balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;
A copy of the ID card of the legal representative;
(8) A copy of the ID card of the senior management;
(nine) a copy of the identity certificate of the shareholders;
⑽ Original and photocopy of the ID card of the agent;
⑾ Original and photocopy of State Taxation Administration of The People's Republic of China tax registration certificate;
⑿ Original and photocopy of local tax registration certificate;
(13) Articles of association of the enterprise as a legal person;
14. If the legal representative is an overseas investor and authorizes domestic personnel to handle relevant matters with full authority, the enterprise shall carry the power of attorney in addition to the above information.
2, institutions, social organizations do card guide
(1) loan card application form;
(2) The original and photocopy of legal person registration certificate, the original and photocopy of the approval from the institution or the superior;
(3) The original and photocopy of the People's Republic of China (PRC) Organization Code Certificate that has been inspected in that year;
(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;
5. Balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;
[6] Original and photocopy of the ID card of the agent.
3, the administrative organs to build office buildings, medical and health departments to buy equipment and other financing needs; Commercial community organizations approved by the civil affairs department, such as nursing homes; Village-level economic organizations and other institutions with organization code certificates shall go through the card collection procedures according to the institutions and provide the letter of intent for loans issued by financial institutions.
4. Securities companies that meet the conditions of borrowers in the Measures for the Administration of Stock Pledged Loans of Securities Companies; Operating financial institutions authorized by financial enterprises and legal persons approved to have secured business, etc. Please handle the card formalities according to the enterprise and provide the letter of intent for loan issued by the financial institution.
5, personal card guide
(1) If an individual acts as a guarantor to provide guarantee for enterprises and institutions, he must apply for a loan card.
(2) The applicant downloads the balance sheet, profit and profit distribution statement and cash flow statement on the website of the municipal government, and after copying the data, brings the following documents to the People's Bank of the place of registration to apply for a card:
① loan card application;
Original and photocopy of the household registration book;
③ Original and photocopy of ID card;
④ Letter of intent for loan.
The People's Bank of China will issue the loan card within five working days from the date of application after verifying the above information. The loan card shall be kept by the receiving unit or individual.