Small and medium-sized enterprise credit loans: The credit loan process is relatively simple and the loan is fast. Relatively speaking, the loan amount is not high. Lending companies and banks have different requirements for lending companies. Generally speaking, the requirements of loan companies are relatively low.
Mortgage loan for small and medium-sized enterprises: mortgage loan can be said that enterprises use their own real estate or land as collateral to obtain loans from banks or loan companies. Compared with credit loans, the loan amount of mortgage loans will be relatively high.
Enterprise guaranteed loan/joint guarantee loan: When the above two loans are not available, the enterprise can choose any third party with a bank to provide guarantee, and then apply for a secured loan. Some institutions also provide joint guarantee loans for self-employed individuals and small and micro enterprises, and more than three borrowers form a joint guarantee group to provide joint liability guarantee for the loans of members of the joint guarantee group.
Question 2: Why do some companies earn so much money a year and why do they need to borrow money frequently? After making a profit for 30 minutes, you need money to expand the company's scale, recruit employees to set up factories, keep working capital in your hand, and then borrow money. Keywords profit, loan repayment, investment company, refinancing,
Question 3: Why should personal loans provide company information? There are certain risks in loans. In the process of loan review, in order to better avoid risks and misjudgments, losses caused to banks or other lending institutions. We should not only examine the legal status of the borrower, but also examine the borrower and its responsible person in particular. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel. So in addition to providing personal loan information, you should also provide company information.
Mother Rong will answer for you.
Question 4: Why should we check the enterprise loans? Hello! Capital verification is to ensure that you have a certain repayment ability after the loan.
Question 5: Why do SMEs need financing instead of lending to banks? In fact, small and medium-sized enterprises really want to borrow money from banks, but banks do not give loans, nor do they give priority to loans to large enterprises.
From the perspective of SMEs themselves, their business development is unstable, their assets are thin, and their ability to resist risks is relatively poor. Moreover, the management of many small and medium-sized enterprises is chaotic and disorderly.
From the bank's point of view, banks are also companies, and we should also consider the stability and income of funds. Their inspection also involves the following two points:
First, look at the present and past of the enterprise; (Simple understanding: mortgaged assets)
First, look at the future and development of the enterprise. (Simple understanding: expected income)
From the above two points, there are obvious differences between small and medium-sized enterprises and large enterprises. So banks usually lend to some big companies and powerful enterprises. Generally, it is difficult for SMEs to borrow money, so they have to go to finance, and some even borrow usury.
Question 6: Why is the banking system of commercial banks' loans to small and medium-sized enterprises not perfect and the financial services are single, which makes the financing problem of small and medium-sized enterprises more difficult?
At present, China's financial institutions are composed of four state-owned commercial banks, several joint-stock banks, policy banks and city commercial banks, among which the four state-owned commercial banks occupy a monopoly and dominant position in the financial market.
First of all, from a macro perspective, the financing structure of Chinese enterprises has two remarkable characteristics: first, the proportion of indirect financing represented by bank loans is too high, and risks are constantly concentrated in the banking system; Second, large national commercial banks are in a relative monopoly position, while small and medium-sized commercial banks are weak and have limited financing capacity. The financing structure with indirect financing as the main body makes small and medium-sized enterprises pay more attention to borrowing from financial institutions in external financing, but cannot raise capital through the capital market; However, the preference of commercial banks in loan scale, that is, large banks give priority to large enterprises, determines that loan financing is difficult to effectively meet the high-risk and long-term capital needs of small and medium-sized enterprises.
Secondly, due to the high monopoly of large banks in the loan market, the transformation of the operating mechanism of small and medium-sized banks and the long-term neglect of the development of small and medium-sized banks, China's small and medium-sized financial institutions have not served small and medium-sized enterprises well. Compared with big banks, the advantages of small and medium-sized banks in providing financing services for small and medium-sized enterprises come from the long-term and stable cooperative relationship established by both parties. In cooperative small and medium-sized financial institutions, for the common interests of all, small and medium-sized enterprises will form self-supervision, which is often more effective than the supervision of financial institutions.
Third, there is a lack of long-term cooperative relationship between banks and enterprises. In China, the so-called "bank-enterprise relationship" or "credit relationship" based on maintaining the credit security of banks has been ignored. Only in recent years, China's banks have begun to attach importance to establishing long-term relations with enterprises, and China's host bank system has been required by the financial management department to be implemented by commercial banks. Since the implementation of the lead bank system in China, banks have been striving for large enterprises as basic customers, without paying attention to small and medium-sized enterprises, and small and medium-sized enterprises have no way to understand the preferences of bank credit policies. There is a lack of mutual commitment between banks and SMEs to establish long-term relations. After the Asian financial crisis, domestic banks began to pay attention to the security of credit assets, and banks began to tighten loans to small and medium-sized enterprises. Banks are generally reluctant to lend to small and medium-sized enterprises, which is closely related to long-term neglect of the relationship between banks and enterprises, lack of ability to identify the quality of small and medium-sized enterprises, and lack of technical methods to protect the safety of credit assets. For a long time, while ignoring the market value of small and medium-sized enterprises, commercial banks have always stressed that small and medium-sized enterprises generally have many problems that are not conducive to banking services, such as low financial management level, small enterprise scale, short duration, poor corporate credit and imperfect guarantee mechanism.
(C) The imperfect macro-financial environment makes SMEs lack institutional support and financing support.
1. Lack of financial policies and legal systems to support the development of small and medium-sized enterprises
Since 1990s, according to the specific needs of the development of small and medium-sized enterprises, China has formulated many special laws and regulations concerning small and medium-sized enterprises, but there are still some problems. Mainly manifested in: First, the legal system is not perfect. At the legal level, China only has the Law on the Promotion of Small and Medium-sized Enterprises, and the relevant implementation measures and methods have not yet been promulgated. Second, China's policies to promote the development of small and medium-sized enterprises still have problems of multiple policies and contradictory terms.
2. The imperfect credit guarantee system of SMEs restricts their financing activities.
According to the sample survey of private enterprises in China conducted by IFC, the most common reasons for failing to obtain bank loans are that they do not meet the requirements of mortgage loans and third-party guarantees. Because * * * guarantee is the main reason for the soft budget constraint of state-owned and private enterprises, the central bank does not encourage * * * guarantee and business-to-business guarantee, so providing mortgage has become the only way for almost all enterprises to obtain loans. However, many small and medium-sized enterprises cannot provide enough collateral for loans. At present, 30 provinces, autonomous regions and municipalities directly under the Central Government have carried out pilot projects of credit guarantee system for small and medium-sized enterprises at the provincial or municipal level, which has played a certain role in promoting the financing of small and medium-sized enterprises, but there are still many problems. First, the quality of registered capital of guarantee institutions is not high. Second, the security system is not perfect. The third is the defect of the specific operation management mode. Guarantee companies are harsh in auditing companies that apply for guarantees, and many small and medium-sized enterprises that cannot obtain bank loans cannot obtain guarantees from guarantee companies.
3. The lack of credit system in China leads to poor financing channels for SMEs.
A well-functioning credit system can last for a long time & gt
Question 7: Why do enterprises lend money to acceptance bills? Because the acceptance bill can be the same as the national debt, but it can't be realized in the short term.
Question 8: Can the company borrow money? Yes
First, the basic conditions for applying for a loan:
1: China nationality (excluding Hong Kong, Macao and Taiwan)
2. Age: 2 1-60 years old
3. Good credit record (no credit record is acceptable)!
4. Living and working locally
5. Registered in the local industrial and commercial bureau, as an enterprise legal person or shareholder.
Class A: (up to 500,000 yuan): If you own a property, or if your spouse owns a property and others own a property, you are the same borrower! (No running water or less than one year, the maximum amount is 65438+ 10,000! )
Class B: (maximum amount: 300,000) No real estate, actual operation for 24 months, and average monthly total water flow to the public and individuals exceeds 200,000!
Second, the application materials preparation instructions:
Required materials: 1, ID card, 2, work certificate 3, income certificate 4, residence certificate 5, credit report.
Optional materials: 6. Property certificate 7. Other materials.
1. Identity certificate: second-generation ID card (passport, household registration book, first-generation ID card, mainland residents' pass to and from Hong Kong, Macao and Taiwan, and military school student ID card are not recognized).
2. Work certificate: company business license+company lease contract+lease invoice.
A. company business license: it must pass the annual inspection! Class B customers have been operating for 2 years! The license is a company or individual license (excluding the business licenses of corporate bodies, branches/offices/representative offices and other branches)! If the applicant is a shareholder (more than 50% of the shares), a capital verification report or articles of association stamped by the company must also be provided!
B. Company lease contract (self-owned business premises can provide real estate license in their own or spouse's name)
C. the latest payment (water, electricity, coal and other properties. ) file!
3. Proof of income: company flow+personal flow.
A. Enterprise running water: the running water of the business entity in the last 6 months, or the computer cashier running water list, such as convenience stores or community supermarkets. (This kind of information must be obtained by the competent service personnel on the spot. )
B. Bank statements of individual joint savings banks in the past six months
4. Proof of residence: (Select one)
A real estate license/property use certificate (household registration book, temporary residence permit, lease contract)
B. Water/electricity/coal/fuel/cable TV/network/fixed telephone bill/
C official * * * letters: letters, credit card bills and bank settlement bills. (If sent by a public institution, the name and address of the applicant shall be provided).
Address certificate issued by the unit (if the customer is a unit housing)
Remarks: It must be sent within 30 days! There is the name and address of the applicant! If the name on the documents provided is not the loan applicant, proof of common relationship shall be provided.
5. Personal credit report (printed within one week, subject to the time when the letter is submitted to you)
A. Refusal of loan: "5" and "4" in the last 12 months, "3" or "2 times" in the last 6 months and "2" in the last 3 months.
B. When reviewing the loan, consider the current overdue, current repayment and the latest repayment time.
C special circumstances: if the applicant owes the annual fee (valid proof is required), or the credit card fails to report the loss in time (valid proof is required), resulting in breach of contract, the import is allowed.
6. Property certificate (optional material)
(excluding: relocated houses/demolition houses, private houses, homestead, temporary houses, etc.). )
My name is located in the city's real estate registration certificate (including shops) or "house purchase contract+loan contract+house purchase invoice"! If the property is in the name of your spouse, you need to borrow money from your spouse. Spouse ID card, marriage certificate and credit report are required. (Spouses need to provide work certificates and bank accounts, and the number of places can be increased.)
7, other information (optional materials, can improve the examination and approval of high information)
B. Valuable assets (driving license, details of stock fund assets, insurance and wealth management product contracts, etc.). )
C. Bachelor degree or above to prove professional qualification or award-winning certificate (such as "the third prize of innovation of the Ministry of Science and Technology")
D. The highest credit card bill in the last 3 months
E other relevant materials that can prove the financial resources and qualifications of the applicant.
Verb (abbreviation of verb) Description of other important matters!
I hope it helps you.
Question 9: What are the requirements for corporate loans? How much can I borrow? Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. You may need to provide collateral, a house or a car, and calculate the interest on how much you used from the time you used it! If the loan money is not withdrawn from the bank, then the interest will not be calculated. The maximum amount of new small secured loans granted by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan. 1. Housing mortgage loans and employment-oriented loans 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the cost property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial housing, cost housing, affordable housing, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collect money from our company. 6. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from Chinese mainland, Taiwanese certificate), marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed), temporary residence permit for foreigners provided by borrower, and balance certificate of lender for property right mortgage (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting loan amount → reporting to the bank → signing a contract at the bank → examining and approving → repaying and releasing mortgage → doing mortgage registration → customers paying fees at our company → lending money. 6. The loan period: the loan period in other banks+the loan period currently being applied for ≤30 years. Year of completion of the property: the house age shall not exceed 25 years. 8. Repayment method: equal principal (decreasing), equal principal and interest, repayment of principal on schedule (loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). 3. Second-hand housing mortgage loan, second-hand housing mortgage loan 1. Information required by the borrower (buyer): second-hand housing sales contract or agreement, ID card of the borrower and spouse (including ID card and passport), mainland pass and Taiwanese certificate), and household registration of the borrower and spouse. When purchasing affordable housing, it is required that the borrower's marriage certificate (the married person provides the marriage certificate, the divorced person provides the divorce certificate or divorce judgment, and the widowed person provides the death certificate) is economically applicable within the validity period ... >>