The so-called loan card, as its name implies, is a loan card. All China enterprises that want to apply for loans in banks need to apply for loan cards in advance. Commercial banks must also check the loan card before issuing loans. For this card, the enterprise needs to fill in the enterprise details. After preliminary examination, commercial banks shall submit them to the Central Bank for examination. The card is valid for one year and needs annual inspection. To some extent, the loan card is a necessary but not sufficient relationship for enterprises to obtain loans. Without a loan card, it is theoretically impossible to borrow money from the bank; However, getting a loan card does not mean that customers can get a bank loan immediately. The key is to see whether the credit status of the enterprise meets the requirements of the loan bank.
1. Commercial banks no longer use the credit card function; Generally speaking, with the online operation of the account management system of the People's Bank of China and the strengthening of account management, the phenomenon of multi-head account opening and malicious evasion of debts has basically been eliminated. In recent years, with the gradual improvement of the credit information system, the role of credit cards in collecting information has gradually disappeared.
2. After the cancellation of the credit card, the Credit Information Center of the People's Bank of China mainly adopts the institutional credit code system. The institutional credit code certificate has been gradually popularized and applied in the credit information business, credit business, cash business, bill business and foreign exchange business of the People's Bank of China and banking financial institutions. It will become an important means of customer identification in the financial system and other economic fields and the "economic identity card" of institutions. Institutions can apply for the institution letter of credit code from the People's Bank of China or banking financial institutions with basic deposit account in accordance with the provisions of the local people's bank.
Personal loans are divided into mortgage loans and unsecured loans. Loan conditions and bank's standard requirements for borrowers:
1. Chinese resident ID card or household registration certificate is over 18 years old.
2. Fugitives with no criminal record have no bad hobbies.
3. Good credit, certain economic strength and the ability to repay the principal and interest.
4. The borrower must be a natural person with full capacity for civil conduct and must ensure that the loan is used for legitimate business.
5. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
6. Prepayment must be communicated with the bank one month in advance before it can be processed. 7. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment).