(1) Submit basic information
Business license of enterprise as a legal person (annual inspection), qualification certificate of enterprise as a legal person, organization code certificate of enterprise, tax registration certificate, account opening permit of basic bank, legal person ID card (all above are originals) and legal person resume;
The financial audit report of the enterprise for three consecutive years and the latest financial statement (with financial seal);
Enterprise loan card (copy);
Business cooperation of commercial banks and internal financing of enterprises;
Articles of association and list of members of the board of directors;
Articles of association of the enterprise, signatures and power of attorney of the legal person and the authorized person;
Basic information such as enterprise profile and related background materials.
(2) Auxiliary materials
Enterprise's own business scale, financial situation analysis and trend forecast;
Product situation, market situation, enterprise development scale, and the level of the same industry;
Cooperation needs, plans and suggestions.
(3) Information required for business operation
Credit application and resolution of the board of directors of the enterprise (as required by the articles of association);
The specific use of enterprise loans and the use direction of funds (plan and total amount of funds);
Analysis of repayment sources (plans and measures), monthly cash flow analysis of repayment fund arrangements;
Mortgage situation, other relevant legal documents, letters and telegrams, etc.
In addition, if a guarantee is needed, the guarantee company also needs to provide the above materials.
Step 2: Conduct approval.
Project establishment: the researcher confirms the purpose of the review, selects the main inspection items, and formulates and begins to implement the review plan.
Credit evaluation: Investigators determine the credit rating of the lender according to the quality of the lender's leaders, economic strength, capital structure, performance, operating efficiency, enterprise development prospects and other factors. This assessment is conducted by the specific person in charge of bank credit or an assessment agency approved by the relevant department.
Feasibility analysis: Investigators explore the causes of the problems found, and determine the nature of the problems and the procedures that may affect the problems. Among them, the analysis of the financial situation of enterprises is the most important.
Comprehensive judgment: the examiner verifies the materials provided by the investigators, judges the current situation, medium-and long-term development and profit and loss of the enterprise, re-speculates the risk degree of the loan, puts forward opinions, and conducts examination and approval according to the prescribed authority.
Pre-lending review: conduct the final pre-lending review through direct investigation and side investigation. After the audit, the bank manager will write a loan audit report and clearly indicate whether the loan can be issued and submit it to the superior leader for approval.
Step 3: Sign the contract.
After reviewing the loan application, the bank shall sign a loan contract with the lender if it considers that all the loans meet the requirements and agree to the loan.
Step 4: Loan.
After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.