1. Apply for a loan

According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application.

2. Loan review

(1) Direct use loan

(2) The operating conditions of the enterprise

(3) the implementation of the enterprise's potential tapping plan, the accelerated working capital turnover plan and the supplementary working capital plan.

④ The development prospect of the enterprise.

⑤ Debt capacity of enterprises

3. Sign a loan contract

The lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the agreement that the borrower will repay the principal and interest at maturity is an economic contract. The borrower can sign a loan contract after the application is approved by the lender.

4. Issuing bank loans

After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. The official seals of the borrower, the lender and the guarantor and the signature of the legal representative are complete and correct. The borrower's loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, and can also be signed at one time or in installments within the amount and effective time stipulated in the contract.

Two. Conditions for applying for a bank loan

1. China citizens with full civil capacity who have a fixed residence in China, a fixed residence (or a valid residence certificate) in a local town, or a fixed business place.

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule.

3. No bad credit record.

4. Loans cannot be used for stock trading, house purchase and gambling.

Extended data:

Bank loan repayment method

1, one-time principal and interest repayment method

One-time repayment of loan principal and interest at maturity is only applicable to small loans for merchants within 3 months (inclusive) and small loans for farmers within 4 months (inclusive).

2. Equal principal and interest repayment method

Repay the loan principal and interest in equal amount every month within the loan term.

3. Repayment of principal and interest by equal installments

Only the loan interest will be repaid during the grace period. After the grace period, the loan shall be repaid in the form of equal principal and interest repayment. Small loans for merchants, with a maximum grace period of 4 months.

For farmers' small loans, the longest grace period of loans is 10 month. Provincial branches should reasonably determine the longest grace period of local loans according to the agricultural production cycle or capital turnover.

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