(2) The borrower is of course willing to provide information beneficial to the enterprise to help the loan get approval; On the contrary, business owners are unwilling to provide information that is unfavorable to the business; If the bank is not satisfied with the financial information, the borrower can rely on high-quality loan projects, more reliable and sufficient mortgages or guarantees, and his own good credit record to strengthen the confidence of the bank's financial support, and also have a greater probability of being approved for loans;
(3) There are mainly three types of information: financial information, enterprise credit records and personal credit records (actual controllers of enterprises, etc.). );
(4) Banks get business opportunities and business income; Enterprises get financing and improve the efficiency of enterprise resource use.
In fact, the SME "credit factory" model of Bank of China has a wide range of applications and a high probability of success, which is worth a try.