Processing flow:
(1) requires an interview.
② Prepare the materials.
③ Come and fill out the application form.
(4) Submit for review.
(5) granting loans.
⑥ Regular repayment.
Required procedures:
(1) Original and photocopy of the borrower's valid identity certificate.
(2) local permanent residence or valid residence identity certificate.
(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit.
(4) The borrower's real estate license and driving license (the loan amount can be increased if it is not necessary).
(5) The borrower's credit report (which can prove personal credit).
(6) the salary card is flowing (nearly 6 months).
(7) Repayment records of loans in the past three months (if any).
(8) The expenses of water, electricity and gas in the last three months can prove the address.
The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring his ID card, proof of address, proof of stable income source and other relevant materials, and if he is a merchant, he should also bring his business license.
2. After receiving the lender's application, the bank will review the lender.
3 through the examination and approval of the bank, signed a loan contract with the bank.
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
How to open the company?
Start your own company
1, check the name, and go to the industrial and commercial bureau to get an application form for pre-approval of enterprise (font size) name.
2. Prepare application documents and materials.
3. Investors prepare relevant qualifications. This part shall be carried out simultaneously or in advance with the above application materials. The investor shall, in accordance with the Detailed Rules for the Implementation of the Interim Measures for the Administration of Financing Guarantee Companies, prepare the relevant qualifications required for the establishment of a financing guarantee company, including the office location, the list of directors, supervisors and senior managers, and the capital contribution.
4. After all the application materials and qualifications of the district government where the proposed place is located are prepared, first report to the Economic and Trade Bureau of the district where the proposed place is located.
5. After the application materials are approved by the district government of the regulatory department, the district government will report the application plan together with the application materials of the main sponsor to the Municipal Finance Office, which will review the authenticity of the submitted materials within 15 working days from the date of receiving the complete application materials, put forward suggestions for agreeing or disagreeing with the establishment of the company and report them to the Provincial Finance Office.
Join a company
1, business communication-headquarters negotiation-project evaluation-determination of intention-signing.
2. Company registration-headquarters audit-storefront decoration-site selection customization-preparation-team formation-headquarters training-market research-market promotion.
3. Trial operation-opening-store operation supervision-market development, channel expansion and business operation.
What are the requirements of the loan company?
Good personal and corporate credit: as an applicant for corporate loans, legal representatives also need to meet the banking conditions for their own credit information and finance. In addition, the assessment of enterprise credit mainly includes settlement credit and loan credit. Banks will focus on the capital flow, operation, tax payment, profits and other contents of enterprises, and there can be no negative information such as illegal acts, tax evasion and arrears of wages. The qualifications of business owners are good: the qualifications of company representatives are also very important. In addition to examining all aspects of the enterprise, the lending institution will also examine the qualifications of the legal representative, such as credit information, financial status and future planning of the enterprise. These are all important factors that determine whether an enterprise can successfully obtain loans. Provide true and reliable financial statements: A company's financial statements can reflect many problems. If there are some phenomena such as lack of laws and regulations and confusion in financial management, the bank may directly reject your application, because such enterprises are at greater risk of overdue in the eyes of lending institutions. Assets and liabilities should not be too high: generally speaking, the asset-liability ratio of companies applying for loans should not exceed 60%. Moreover, the annual net operating cash flow in financial statements cannot be negative, and the same profit cannot be negative. Formal private lending companies must have articles of association that meet the requirements. Formal private lending companies must have sponsors or investors who meet the prescribed conditions. Formal private lending companies are prohibited from absorbing other people's funds and lending.
; Formal private lending companies are prohibited from absorbing other people's funds and lending. The interest of a regular private lending company shall not exceed the upper limit set by the state (four times the bank's loan interest rate for the same period), and the excess shall be invalid. Formal private lending companies must have legitimate purposes and must not provide loans for others to engage in illegal activities. The lender knows that the borrower borrows money for illegal activities, such as illegally providing gambling funds, smuggling funds, providing escape funds for criminal suspects, etc., and its lending relationship is not protected; If both parties illegally borrow money, their property may be confiscated, fined or detained; Anyone suspected of committing a crime shall be investigated for criminal responsibility according to law.
Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). To apply for a loan, the borrower should meet the following basic conditions: first, it has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened.
What do you need to start a company?
Conditions for the establishment of the company:
1. Establish the company's articles of association, and handle the industrial and commercial tax registration according to law with relevant documents.
2. Find a suitable shareholder with the corresponding registered capital and register the capital verification in the bank.
3, there are qualified personnel and management personnel.
4. Establish corresponding internal organization and management system.
5. Having business premises, safety precautions and other business-related facilities that meet the requirements.
How to start your own company?
The process of starting a company is as follows:
First of all, the district (county) government with pilot intention submits a pilot application to the Municipal Finance Office, clarifies the pilot work plan, and promises to take responsibility for risk prevention and disposal.
Secondly, the district (county) government screens the main sponsors of the company who meet the relevant conditions and have the intention to declare.
Finally, the screened company sponsors submit the application materials for company establishment to the district (county) government where they are located, and the district (county) government reports to the Municipal Finance Office for review after completing the pre-examination.
With the approval of the Municipal Finance Office, the company applicant shall go through the registration formalities with the administrative department for industry and commerce according to law, obtain a business license, and submit relevant materials to the local public security organ, the banking regulatory bureau and the branches of the People's Bank of China within 5 working days.
How to set up a private lending company
If the registered capital is not less than 500,000 yuan, it shall apply to the local banking regulatory bureau. If it is approved to start business, the decision-making organ shall issue a financial license and obtain a business license with the financial license.
1. According to Article 8 of the Interim Provisions on the Administration of Loan Companies, the establishment of a loan company shall meet the following conditions:
(1) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time;
(2) Having articles of association that meet the requirements;
(3) Having senior managers with professional knowledge and professional work experience;
(4) Having staff with corresponding professional knowledge and work experience;
(5) Having the necessary organizational structure and management system;
(6) Having business premises, safety precautions and other business-related facilities that meet the requirements;
(7) Other conditions stipulated by China Banking Regulatory Commission.
2. According to Article 13 of the Interim Provisions on the Administration of Loan Companies, the application for establishing a loan company shall be accepted by the banking regulatory branch or the local city banking regulatory bureau, and the banking regulatory bureau shall review and decide. The banking regulatory bureau shall make a written decision on approval or disapproval within 4 months from the date of receipt of complete application materials or acceptance;
3. The application for the opening of a loan company shall be accepted, examined and decided by the banking regulatory branch or the local banking regulatory bureau. The banking regulatory branch or the local banking regulatory bureau shall make a decision on approval or disapproval within 2 months from the date of acceptance.
4. According to Article 15 of the Interim Provisions on the Administration of Loan Companies, a loan company and its branches that have been approved to start business shall be issued with a financial license by the decision-making organ, and shall register with the administrative department for industry and commerce with the financial license to obtain a business license.
Extended data:
When a loan company applies for starting business, the applicant shall submit the following documents and materials:
(1) An application for starting business;
(2) A report on the preparatory work;
(3) Draft articles of association;
(4) A capital verification report issued by a statutory capital verification institution;
(five) the filing materials of the proposed senior management personnel;
(six) proof of the ownership or right to use the business premises;
(seven) the certificate of safety and fire control facilities in the business premises issued by the public security and fire control departments;
(8) Other materials as prescribed by China Banking Regulatory Commission.