Original and photocopy of the borrower's legal identity certificate (household registration book, resident identity card or other valid residence certificate, marriage certificate, etc.). );
Original and photocopy of business license;
Proof of the borrower's family property and economic income (including personal income certificate or tax payment certificate issued by the personnel department of the borrower and his spouse's unit, bank deposit certificate, real estate license, securities, etc.). );
Information that can prove the reasonable use of the loan, such as clear production and operation plans, tax payment vouchers, purchase orders, etc.;
List of collateral (pledge), proof of ownership, proof that the person who has the right to dispose of it agrees to mortgage (pledge), collateral evaluation report issued by the competent department or an evaluation agency recognized by the bank, or collateral evaluation agreement and collateral insurance policy signed with the bank;
Other information required by the bank.
Compared with the original loan, the renewal loan mainly has the following characteristics: first, the object of renewal loan is old customers; Second, the loan information is basically the same, that is, the basic situation and reputation of the loan customer, the basic situation of the project, the purpose of the loan and the guarantee have not changed much; Third, the loan risk is relatively small.
Renewing loan is a term in the field of banking and finance, which means that there was a bank loan before, and now we continue to borrow another sum of money with credit and corresponding guarantee. The extension of working capital loan is the behavior of continuing to issue working capital loan to customers.
Working capital loans are loans issued by banks to meet the temporary and seasonal capital needs of customers in the production and operation process and ensure the normal production and operation activities, or loans issued by banks to borrowers to meet the long-term average demand for working capital in the production and operation process.
Working capital loans can be divided into: temporary working capital loans with a term of less than 3 months (inclusive), which are mainly used for the temporary capital needs of enterprises to purchase goods at one time and to make up for the shortage of other payment funds;
Short-term liquidity loans with a term of 3 months to 1 year (excluding 3 months, including 1 year) are mainly used for the liquidity needs of normal production and operation of enterprises; Medium-term working capital loans, with a term of 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), are mainly used for the needs of enterprises to frequently occupy funds in normal production and operation.
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