The main loan for small and micro enterprises refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and term for production and operation. Small and micro enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation.
Because the credit demand of small and micro enterprises has the characteristics of "short, small, frequent and urgent", its small, short-term and scattered characteristics are more similar to retail loans. They have higher requirements for liquidity.
Since the beginning of 2065438+2008, the People's Bank of China has adhered to a stable and neutral monetary policy, done a good job in pre-adjustment and fine-tuning, stabilized market expectations, dredged the transmission mechanism of monetary policy, guided funds to flow to important areas and weak links such as private enterprises and microfinance, and made a tough battle to prevent and resolve major risks.
Extended data:
Small and micro enterprise standards:
The general number of employees is less than 500 or the annual sales of the enterprise is less than100000 yuan; The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan; The standard for wholesale small enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan.
The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan; The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan; The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.
As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.
Definition of Pratt & Whitney Small and Micro Loans
"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. Based on the disputes in judicial practice, we can see 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; Review 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 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 this kind of enterprise will have many situations that need capital turnover in its operation, there is this market. If necessary @ me! @ 186. Wang 4! 19989.999999989894