1. What materials are required for bank loans, and what are the loan requirements for corporate financial statements?

1. Annual reports for the past three years, financial statements for the past three months, and the company’s public statements for the past six months;

2. Business site lease contracts and rent payment receipts, recent Three months' water and electricity bills;

3. Various tax bills in the past six months, signed purchase and sale contracts (if any);

4. Individuals in the past six months or One year's bank statements. Note: Loans can be divided into credit loans, third-party guaranteed loans, mortgage loans and more according to their different guarantee methods. Depending on their different uses, working capital loans also include other types of loans of securities companies, mainly including real estate mortgage loans, certificates of deposit, guaranteed loans and credit loans, etc., which are used to solve the company's development needs such as the purchase of fixed assets and decoration of business departments of securities companies.

Extended information: Application conditions for general bank loans: 1. Comply with national industry and industry policies, and not be a high-pollution, high-energy-consuming small business; 2. The company has good reputation in various commercial banks , no bad credit record; 3. Have a business license approved and registered by the industrial and commercial administration department and passed the annual inspection; 4. Have the necessary organizational structure, operation management system and financial management system, with a fixed basis and business location, legal operations, and products Marketable and profitable;

5. Have the ability to perform contracts and repay debts, have good repayment intentions, have no bad credit records, and have credit asset risks classified as normal or of concern due to non-financial factors;

6. The business operator or actual controller has more than 3 years of working experience, is of good quality, and has no bad personal credit record;

7. The business operation situation is stable, and the age of establishment is in principle For more than 2 years (inclusive), there must be at least one or more fiscal year financial reports, and sales revenue growth and gross profit are positive for 2 consecutive years;

8. In line with the establishment of industries related to small business business Credit policy;

9. Able to comply with national financial laws and regulations and relevant bank regulations;

10. Open a basic settlement account or general settlement account at the applicant bank.

2. What materials are required for bank loans and what are the loan requirements for corporate financial statements?

Loan submission materials:

(1) Borrower, guarantor (if necessary, the same below) business license, business registration certificate (national and local tax), company articles of association, loan ( (certificate) card copy and password;

(2) Balance sheet, profit and loss statement, current copy of borrower and guarantor;

(3) List of collateral (pledge) and ownership certificate (original and copy);

(4) Original resolution of the borrower and guarantor having the right to borrow money and guarantee;,

(5) Mortgage (pledge) If the mortgage is a third-party legal person enterprise, the original copy of the resolution of the third legal person enterprise’s authorized agency agreeing to mortgage (pledge) the specific property; (6) Commercial housing owned by a natural person Provide necessary certification materials;

(7) Copies of ID cards and contact numbers of the company’s legal representative and senior executives;

(8) The company’s water consumption (tons) in the past three quarters ), electricity consumption (kWh), various taxes (business tax and surcharges, increase tax and payment of personal income tax);

(9) The enterprise's outgoing and warehousing status in the past three months;

(10) Company profile and contact

Financial statements cannot show losses, and the asset-liability ratio is less than 70

3. Materials required for bank loans and financial statements of the company for loans What are the requirements?

You need a lot of materials. Ask him and he will give you a catalog. For the financial statements, make the profits bigger and the liabilities lower.

IV. What materials are required for bank loans and what are the loan requirements for corporate financial statements?

When a company borrows money from a bank, the materials it must submit are: 1. Statutory issuance The enterprise's loan certificate has passed the annual review handled by the certification authority; 2. Loan application report.

The report contains the following contents: basic information of the enterprise: including registered capital, nature of the enterprise, affiliation, office location, contact number, contact person, main business and enterprise introduction; general profile of the enterprise's legal person, including name, gender, education level, Professional titles, past occupations and positions, achievements, etc.; Loan amount and purpose: Write down the loan amount and purpose in detail. Loan term and repayment method: including loan term, repayment method and guarantee form. In addition, the project feasibility report, purchase and sales contract, etc. must be attached; finally, the company's financial situation must be attached, including monetary funds, inventory, total liabilities, total owner's equity, total assets, net profit for the current period, and the most recent year. Total accumulated profits; 3. Financial statements. It includes two aspects: the balance sheet, profit and loss statement and statement of changes in financial status of the previous year; the balance sheet and profit and loss statement of the current period; 4. Relevant documents and certificates (both the borrower and the guarantor must submit). These certificates include: a copy of the business license and its copy; the legal person’s ID card and its copy; if another person signs on behalf of the legal person, a copy of the personal ID card and a power of attorney from the legal person must also be submitted (the authorization letter must be signed by the legal person) and stamped with official seal); 5. Information required to guarantee the loan. That is, a copy and copy of the business license of the guarantor unit; the financial statements of the guarantor unit, including the balance sheet, profit and loss statement, and statement of changes in financial status of the previous year, and the balance sheet and profit and loss statement of the current period; and the certificate of the guarantor unit’s agreement to guarantee , the official seal needs to be affixed; 6. Information required for mortgage and pledge guaranteed loans. For example: detailed catalog of mortgages and pledged items and proof of property rights or ownership; proof of value of mortgaged items and chattel pledged items; evaluation report of the mortgaged items and chattel pledged items issued by an intermediary agency designated by the bank; appraisal certificate of rights pledged items; registration by the registration authority supporting documents and certificates, etc. Waiting for bank acceptance and approval Under normal circumstances, the bank will review the loan time for the bank's credit department according to the statutory response period (20 working days for short-term loans and 130 working days for medium and long-term loans) from the date of acceptance. Maybe during the loan process, you don't know which bank has the lowest loan interest rate, the largest loan amount, and the lowest loan fees. Moreover, different banks provide different loan amounts and interest rates for the same loan demand, and there may be information errors. . You can first publish loan demand information on the First Loan Network (www.01dai.com) and wait for some funding providers to come to you. You can choose the provider with the lowest loan interest rate to accept your loan demand, saving time and effort. No worries! There is no charge for publishing information, which saves you the manpower to go to the bank and avoids high loan costs caused by information asymmetry. You can try it!