This is very important.
In addition to looking at the operating conditions and tax payment of small and micro enterprise loans, there are also requirements for legal person's credit information, such as the number of credit information inquiries and the number of overdue times within half a year. In addition, the credit information of the legal person spouse will be inquired. If the credit is not good, it will affect the final approval result.
When approving enterprise loans, banks will consider enterprise qualifications and legal person qualifications, and need to inquire about legal person credit information. If the corporate credit is not good and there are too many bad credit records, it is difficult to approve corporate loans. In addition, if the legal person has less assets or more liabilities, it will also affect the application for corporate loans. Enterprise qualification mainly depends on enterprise type, operating time, credit situation and collateral.
II. Key points of loan review for small and micro enterprises
Do business owners have such doubts when applying for enterprise credit loans? What problems should they pay attention to when applying for a loan? Once the application conditions are not met, will the loan application fail? When approving loans for small and medium-sized enterprises, banks will not look at a certain point unilaterally, but will comprehensively judge the repayment ability of enterprises according to various situations. For different enterprises, the judgment dimension may be different. So what are the main dimensions that banks need to examine? The first is whether the business operation is in compliance, whether the loan purpose is legal, and then whether the enterprise has the repayment ability and whether it repays on time. So what are the specific aspects to judge these points? The credit line of Shang Wei loan product introduction of Suning Bank is 3 million. The loan term can be three, six, 12, 18 and 24 installments. The annual interest rate is between 12% and 18%, depending on the customer's qualification. The repayment method is average capital, which is repaid together with the loan. Loan category: tax loan core: no analysis: from the product introduction, the information available to business owners is limited to the loan amount of 3 million yuan, and there are five loan cycles. You can choose the appropriate cycle according to the current business situation and whether the annualized interest rate range is within the tolerable range. If the capital required by the enterprise is less than 3 million yuan and the qualification is good, you can apply for products. If the qualification is poor, or the enterprise requires more than 3 million yuan, it can apply for two or three products at the same time. This business owner has the initiative to choose or not. In addition, the following other requirements are also the contents of bank audit. Applicant requests 1. Age is 23-60 years old. 2. Non-Hong Kong, Macao and Taiwan and foreigners 3. Analysis of legal agent: firstly, the applicant must be an enterprise legal person, aged between 23 and 60, and the actual application age is between 25 and 55, because being too old or too young will be unfavorable to the company's operation and the repayment ability of the enterprise is weak; Legal persons are non-Hong Kong, Macao and Taiwan and foreigners. Although the conditions do not mention whether the applicant is a legal citizen, as a basic requirement for applying for a loan, even if it is not marked, it will be considered as a condition. Enterprise demand 1, actual operation for more than 24 months (inclusive) 2. Pay taxes normally for one year. 3. The legal person and actual controller are changed for 6 months. 4. Analysis of the company without branches: the company has been in business for 2 years, paid normal taxes 1 year, and changed its legal person and actual controller for 6 months, so it is not a branch. These conditions can explain whether the applicant enterprise is stable in operation and whether it can achieve the ability to repay the loan. A company that has been in business for more than 2 years and the output tax record is 1 year, indicating that the company is still profitable; Non-branch companies also think that the branch company has no legal person status, and its civil liability is borne by the head office, so it cannot make a decision. According to the relevant laws and regulations, a branch cannot have no legal representative, but only the person in charge of the branch. In addition, why do legal persons change their conditions and be audited by deer hunting? The change of legal person may also be that the company does not intend to continue its business for some reason, but chooses to sell it to other investors instead of canceling it. In this case, it is necessary to change the legal representative of the company. The change time is too short, which is equivalent to the short time for the enterprise to re-operate, which is not conducive to loan application. The tax requirement is 1. Have tax return records in the last 3 months, 2. No continuous declaration for more than 6 months, 3. The enterprise's tax payment level is AB/M, level 4. There is no tax owed at present. Analysis: In addition to paying taxes for one year, it is also required to have a continuous tax payment record for nearly three months, and there can be no tax arrears at present. There should be no zero tax return record for six consecutive months or more. Pay attention to the difference between "no tax record" and "tax return is 0", the latter has tax record. The tax payment level of an enterprise is divided into five levels: A, B, M, C and D. The tax payment level here requires A, B and M, which is regarded as paying more attention to tax payment. The application condition of tax credit products that do not pay attention to tax is that the tax level is not D4. No more than 6 applications within 3 months, and no more than 3 applications within 7 days after non-bank inquiry. 5. Enterprises can't owe taxes and can't have negative sales growth. Analysis: There are many types of situations involved in credit investigation, which can be classified and analyzed. 1. overdue, the most common bad record in credit investigation is overdue. This product requires that the current credit information of the applicant and the enterprise is not overdue, not overdue for two consecutive months, not overdue twice in the last year, and the accumulated overdue amount in the last 12 months does not exceed10,000. At present, there is no overdue, that is, the previous loans and other installment arrears are all paid off; Two consecutive months or more overdue refers to two consecutive months or more overdue in the historical overdue record before repayment; The number of overdue transactions in the past year is less than 2 times, that is, the number of overdue transactions in one year does not exceed1; It is best understood that the total overdue amount in the past 12 months is less than10,000, that is, the total overdue loans and installment arrears in the past year are less than10,000, preferably less than10,000, otherwise it will be difficult to review. 2. The public information recording clock will contain some information such as payment information, tax arrears and civil judgments of public utilities such as water, electricity and gas. If these are in arrears or have bad records, the application will also be rejected. Such products require enterprises not to owe taxes. 3. Although the number of inquiries will not involve the problem of overdue debts, the number of inquiries, which banks and other financial institutions conduct inquiries, and the purpose of inquiries. Both of them objectively reflect the credit rating of customers. If there is only one loan in your name, but your credit rating is inquired by many institutions, the bank has reason to suspect that your solvency is poor and treat you as a risky customer. For example, this product requires no more than 10 inquiries for three consecutive months, no more than 4 inquiries for one month, and no more than 25 inquiries for 12 months (including guarantee qualification approval). Non-bank inquiry shall be applied for no more than 6 times in three consecutive months and no more than 3 times in seven consecutive days. It can be seen that it depends not only on the number of bank inquiries, but also on other non-bank financial institutions and individuals. So there is no need to check the credit frequently. Related questions and answers:
Third, how to improve the efficiency of loan approval for small and micro enterprises?
Provide five certificates of public companies and enterprises, upstream and downstream contracts and various information of borrowers in the past year.
Fourth, how to do a good job in post-loan management
Post-loan management means that account managers (loan officers) must cultivate good observation ability and strive to have a comprehensive and extensive understanding of customers. On the one hand, they should pay attention to whether customers have immoral profit-making and dishonest behavior in their daily activities.
How to do a good job in post-loan management
1. Change the way of thinking and correctly understand the role of post-loan management.
Under the general trend of interest rate marketization and financing disintermediation, operators at all levels should change their concepts in business philosophy, improve their attention to existing customers and fine management. Post-loan management is the most important part of stock customer management. Due diligence post-loan management can play three roles: first, risk early warning. Through effective post-lending management, hidden risks can be found in time and quickly resolved, which can reduce the cost of risk resolution and reduce operating losses. The second is to tap the potential of existing customers. It should be recognized that the process of post-loan management is an opportunity to consolidate customer relationships and tap business needs. The third is to create value through management. By doing a good job in the basic management of post-loan management, we can effectively prevent the interruption of customer credit rating, temporary overdue loans and other matters that increase the occupation of economic capital, and directly create value.
2. Improve the systematic construction of post-loan management system.
First, organically integrate the post-loan management rules and regulations and operational procedures of customer dimension and product dimension to form a perfect system; Second, the post-loan management system should clearly formulate differentiated post-loan inspection processes and contents, and formulate standardized inspection points and templates according to the risk characteristics and approval requirements of different products. The third is to innovate the management system and model of small and micro enterprises. For small and micro enterprise customers, the outsourcing mode of post-loan management can be innovated: namely, the work of door-to-door visits, data collection and other links is outsourced to a third-party service company, and the outsourcing personnel collate relevant inspection materials and submit them to the post-loan staff of the bank, who will conduct post-loan inspection and risk investigation in batches. "Post-loan outsourcing" not only solves the problem of insufficient service capacity, but also reduces the management cost through batch processing, and also plays the role of independent supervision of outsourcing personnel.
3. Integrate post settings and clarify management responsibilities.
First, set up a separate credit management department to independently carry out post-loan management and risk prevention and control; Second, follow the principle of "who manages and who manages" in post responsibilities, and make it clear that the account manager is the first responsible person for post-loan management; At the same time, a post-loan management post is set up in the credit management department to integrate the post-loan management functions of the credit manager and the risk manager. The main responsibilities are to supervise and check whether the account manager has completed all the prescribed actions of post-loan management as required, check whether the post-loan inspection records and conclusions made by the account manager are appropriate, and track and manage the risk signals or internal and external information disclosure discovered by the account manager; Go to the loan enterprises from time to time, conduct on-the-spot verification on the inspection conclusions of account managers and customers' risks, and implement the "four eyes" principle of post-loan management.
4. Strengthen the post-loan incentive and restraint assessment.
First, increase the quantitative evaluation index of post-lending process management in the performance evaluation index system of operating institutions, so as to promote operating institutions to attach importance to post-lending management and improve management level. Second, increase the proportion of risk compensation assessment for account managers. It is suggested that the proportion of risk compensation in credit business should be increased, most of the risk compensation should be linked to the labor efforts and performance of account managers after lending, and the risk performance due to account managers should be liquidated according to the assessment principle of "due diligence and exemption" to improve the enthusiasm of account managers for post-lending work. Third, set clear quantitative assessment indicators for post-lending management personnel, properly link post-lending management performance with business performance, and take risks with account managers * * * to enjoy performance * *, so as to improve the enthusiasm and sense of responsibility of post-lending management personnel.
5. Strengthen the connection between post-loan management and loan declaration and credit approval.
The first is to establish a linkage mechanism for post-loan management and credit approval. Incorporate the post-loan management data and inspection report into the credit application data of existing customers, and verify the quality of post-loan work through the credit approval and audit mechanism, effectively improving the execution of post-loan management and the quality of inspection report. The second is to establish a linkage mechanism between post-loan management and credit business management departments. Submit the problems found by post-loan inspection and internal and external audit to the credit management department, and urge customers to complete the rectification of risk matters and eliminate potential risks in time by controlling loan issuance and restricting business access.