The main body of working capital loans should be enterprises, other economic organizations and individual industrial and commercial households with independent legal personality approved and registered by the administrative department for industry and commerce, with certain guarantees. For example, the company can mortgage its own property, and if the commercial house has property rights, it can also mortgage the commercial house. To have an account in a loan bank, you should also have a loan card. To apply for a working capital loan, you should also submit the financial report of the previous year and the financial report of the previous loan period. Generally, the longest loan period of working capital loans is one year, which can be extended to three years if the enterprise has a high credit rating. Banks will apply for the authenticity of the application materials and financial status of enterprises, and will also examine whether the form of collateral of enterprises is reliable. Investment and financing online of Federation of Industry and Commerce.

Second, how to borrow working capital?

Working capital loans obtained from banks are generally not more than one year, which belong to short-term working capital loans and should be accounted for through short-term borrowing subjects. After receiving the loan, you should set corresponding detailed accounts according to the loan bank, and the entries are as follows:

Debit: bank deposit

Loans: short-term loans -XX Bank

3. What are the conditions for applying for a working capital loan?

It is understood that the object of applying for working capital loans needs to be enterprises or individual merchants approved by relevant departments. At the same time, the borrower needs to have good credit, stable income and good ability to repay the principal and interest. If it is not an individual application, you need to go through the formalities in the local industrial and commercial department and open a basic account in the applicant bank.

At the same time, if it is a borrowing enterprise, its accumulated foreign equity investment shall not exceed 50% of its net assets. When an enterprise applies for a medium-and long-term loan, the proportion of the total income and total investment of the enterprise as a legal person cannot be lower than the proportion of the principal of the investment project. After meeting the above conditions, the borrower or the borrowing enterprise may apply for a working capital loan.

Extended data:

Since 1983, banks have taken some new measures in liquidity management, mainly including:

(a) the liquidity allocated by the state to enterprises is still reserved for enterprises. Managed by the bank. The circulating funds allocated by the state to enterprises should be appropriately adjusted and paid for use.

(2) Improve the assessment method of enterprise liquidity quota or plan. According to the average advance sales income fund rate (or sales cost fund rate), it is adjusted once a year according to the sales plan. Commercial enterprises shall verify the turnover inventory according to the purchase and sale plan, and banks shall implement the management of "separate deposit and loan".

(3) assess the use of working capital of enterprises, implement a unified interest rate for loans within the limit (or planned), and cancel low-interest loans within the limit; For over-quota (or over-planned) loans, interest rate floating or "floating interest rate" shall be implemented.

(4) According to the national economic policy, different industries, enterprises and products implement differential interest rates.

5] Establish a system for enterprises to supplement their own liquidity.