The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. Whether the application can be approved depends on the system audit.

Second, what skills can be approved?

Nowadays, it has become an important means to meet people's consumption in advance, and endless products have solved the urgent needs of many borrowers. But there are also some borrowers who give feedback on why others can get loans quickly, but they are slow. In fact, if you want to handle it quickly, you need to master some skills. Today, I will give you a brief introduction. First, do a good job of communication before lending. Before applying for a loan, you need to know with the staff how to do it, how to operate it and what application steps to take. Only by doing a good job of communication in the early stage of the loan can we make the loan faster and faster and avoid the situation of being in a hurry when lending. Second, the application materials should be prepared in advance. After the application materials are submitted completely, the lending institution can start the loan approval process and prepare to review the loan. Therefore, submitting complete application materials in one step is not a good medicine to win at the starting line and quickly reach the other side of the loan. Generally speaking, the common four-piece application materials include ID card, work information, credit report and residential address. It is recommended that friends in need prepare relevant application materials in advance. Third, quickly find matching products Looking at all kinds of unsecured products, the application threshold can be described as different. Some institutions require borrowers to earn 5,000 yuan, while others only require 3,000 yuan; Some institutions require borrowers to work in their current units for half a year, while others require three months. To sum up, in combination with our own situation, finding matching products is undoubtedly a fast track to successfully obtain loans. Fourth, it is incomprehensible that some institutions do not need loan fees, but different lending institutions charge different fees for loans. Therefore, before applying for a loan, the lender can first understand the loan fees charged by different loan products and choose the appropriate loan products with loan fees within the tolerance range to apply. The above are several common quick handling methods, which borrowers can refer to. At the same time, I remind you that you must choose a formal institution when handling it. It is best to conduct on-the-spot investigation or telephone consultation, and you should not take it lightly.

Three. What are the main points of approval for medium-term working capital loans?

Working capital investment ×( 1- last year's sales profit rate )×( 1 estimated annual growth rate of sales revenue)/number of operations in actual use, the data should be reasonably analyzed and used according to the actual business situation of the borrower, not just the financial statement data, but the data value should be reasonably determined according to the actual investigation. 1, sales revenue last year. According to the main business content of the enterprise, the main business income, such as one-time sale of fixed assets, temporary production of disaster relief materials and other main business income, should be excluded from the report, and it is a one-time income. Only after elimination can reasonable main business income be obtained, and the amount of working capital calculated on this basis can be more in line with the actual situation of the enterprise. 2. The estimated annual growth rate of sales revenue. The predetermined proportion should be reasonable and well-founded, which should not only conform to the development law and trend of the industry where the enterprise is located, but also be determined according to the development plan and realizability of the enterprise itself. The most important thing is that the predicted growth level should match the existing production capacity of the enterprise. If it is only to meet the demand, it is often unreasonable. For example, the sales revenue growth of surplus industries is overestimated. For example, the main business income of a paper mill in 2009 was 50 million yuan, the production capacity was10.5 million tons, and the sales growth rate was 10%. I want to apply for a loan from the bank this time 1 100 million yuan. In order to increase the demand for working capital, the sales growth rate in 2065,438+000 is predicted to be 65,438+0. It seems that the reason is very good, but regardless of the supply capacity of raw straw and straw and the market's ability to withstand products, can we ensure adequate supply? If the product can't be explained reasonably, is our quantity so large? Is it possible for the borrower to use the working capital loan for fixed assets investment? Therefore, we can see that it is in line with the reality of enterprise development to determine the amount of working capital more reasonably for the reasonable performance of data when forecasting. 3. When calculating the number of operations, it is necessary to reasonably eliminate unreasonable factors in the statements, such as accounts receivable, accounts payable, bad debts with an age of more than 3 years, and moisture in the inventory, so as to show the amount of funds really needed in the operation of the enterprise. 1. Self-owned funds: Any enterprise engaged in business activities must have a certain amount of self-owned funds, including the capital invested by investors in the enterprise and the accumulation formed in the operation, such as surplus reserve fund, capital reserve fund, undistributed profits, etc., which reflects the owner's rights and interests. However, the investment direction of self-owned funds is not limited to daily business turnover, but also includes long-term investment, investment in fixed assets, and purchase of land use rights. After this part of the capital is invested, it is bound to reduce the turnover of working capital. Therefore, the self-owned capital in the formula refers to the part of the enterprise used for liquidity, and the investment in long-term investment, fixed assets, intangible assets and other subjects should be excluded. The bank's credit management system stipulates that the proportion of its own funds is not less than 30%. 2. Existing working capital loans: It includes not only the existing working capital loans obtained by borrowers from other banks, but also the exposed departments of bills payable, because this part of the exposure is also used as working capital. If the account payable of the enterprise is 4 million yuan, which is checked as a bank acceptance bill and the margin ratio is 30%, the exposure is 2.8 million yuan, which should be regarded as deduction. 3. Reasonably eliminate financial factors that should be repaid, such as loans that have expired and accounts payable that should be paid. 4. Liquidity provided by other channels; Including loans obtained from shareholders; Issue bonds; Employee fund-raising; Small equipment purchased through financial leasing; Financial subsidies; Issue stocks; Financing obtained by non-bank financial institutions and so on. In this way, on the basis of reasonable analysis of the above data, we can get the new working capital loan amount required by the borrower, that is, the working capital gap required by its daily production and operation. However, in actual work, it often happens that the calculated loan amount is likely to be inconsistent with the loan amount applied by the borrower. There are basically three possibilities: first, the calculated loan amount is greater than the applied loan amount, indicating that the borrower may increase the investment of its own funds, such as increasing the investment of shareholders and introducing strategic investors. , or refinance in other banks; Second, the estimated amount is less than the application amount, that is, the amount of funds required by the borrower to maintain daily production and operation is not as large as the application. We must consider whether the actual use of the loan is fully invested in production and operation, whether there is the possibility of misappropriating the fixed assets investment (combined with the analysis of the fixed assets subject and the project under construction subject in the report), and even the possibility of investing in the housing market and the stock market. This is the loan use prohibited by the Administrative Measures. Third, the borrower's liquidity loan gap is calculated to be negative. On the surface, the borrower's current self-owned funds and borrowed working capital are greater than the working capital needed for its working capital operation, which means that the borrower can complete the working capital demand without the support of working capital loans. But the reality is that enterprises do need loans, including the production of the above-mentioned one-time relief materials. This order is a temporary production task for the borrower, but the daily funds are in turnover and no money is needed to produce this order. Therefore, the calculated liquidity does not include the demand of this order. It is unreasonable for banks to determine the liquidity limit not only according to the formula, but also without considering the actual transaction needs of enterprises. Also consider the borrower's business scale and a certain insurance factor. For some large state-level enterprises, their real needs should be considered according to the orders. In addition, for borrowers with seasonal production, the calculation period should be based on their continuous production period, not the usual natural year. For example, in the fish farming industry, it takes 30 months from raising seedlings to producing finished fish, plus the sales cycle, so the production and operation cycle of the industry is about 3 years. When calculating the amount of working capital, we must consider the funds needed by the borrower for three years' turnover. If the data calculated only according to the annual report is not true with the actual data of the enterprise, it will lose its reference role in calculating the liquidity loan gap.