"Pratt & Whitney small and micro loans generally refer to Pratt & Whitney small and micro enterprise loans, which are a kind of loans issued by banks to small and micro enterprises for production and business activities. When handling such loans, enterprises can enjoy certain loan interest rate concessions, so that the interest paid by enterprises after handling loans is less, which is also very beneficial to the development of enterprises. "

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

What is the definition of small and micro enterprise master loan and what is it?

Small and micro enterprises are collectively referred to as small enterprises, micro enterprises and individual industrial and commercial households. The standard of small and micro enterprises is that they belong to unrestricted and prohibited industries nationwide and have annual tax payment conditions. And meet the following three conditions:

1, the taxable income of the enterprise is less than 3 million;

2. The number of employees in the enterprise is less than 300;

3. The total assets are below 50 million.

Now there are many credit platforms to help small and micro enterprises. Remember to choose a formal platform, such as Xiaoman Finance, with high quota and low interest rate. It is understood that 70% of Xiaoman Finance's credit users are small and micro business owners, and big brands are more assured.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.

What is microfinance?

Is to make loans for small and medium-sized enterprises, → Zhonghui! At present, many loan companies have this business, which belongs to loans for individual industrial and commercial households and limited companies. Because there will be many situations in the operation of such enterprises, there is this market. If necessary @ me! @ 186. Wang 4! 19989.999999989894