It can only be said that it can be used as one of the materials for applying for a loan. Instead of just providing a running account of the enterprise, you can lend money.

The materials required for the loan are as follows:

Personal loan applications need to provide materials can be roughly divided into three categories:

I. To apply for personal consumption loans, the following materials shall be prepared:

1. Copy of the borrower's ID card and household registration book (identity certificate verification and filing);

2. A copy of the borrower's marriage certificate (family background investigation);

3. The borrower's income certificate (the bank's reference to the lender's repayment ability);

4. Proof of the borrower's work, education and professional title (the bank's reference to the lender's repayment ability);

5. Proof that the borrower has opened a personal settlement account in the credit union (establishing convenient withdrawal and repayment channels);

6. The borrower's personal credit report (usually, the bank will have a special person to review the applicant's historical credit record).

Two. Information to be provided for personal production and operation loans:

1, business license, business license and other relevant materials for production and operation;

2 * * * A copy of the identity certificate of the same operator;

3. Business tax payment certificate.

In addition, different regions and banks will have different requirements for loan conditions. The above conditions are for reference only, and the specific requirements are subject to the requirements of the lending bank.

Loan:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, can online business loans provide enterprises with running water?

Of course. From today's headlines, we know that online business loans provide enterprises with running water, so they can be provided. Online merchant loan is a consumer loan product provided by Alipay's online merchant bank for small and micro enterprise owners. You can apply directly at Alipay.

Three. How much is the daily account for small and micro loans of CCB enterprises for customers?

50,000 yuan, different banks and institutions have different conditions for lending to small and micro enterprises. Banks have high requirements, and institutional loans require small and micro enterprises to operate for more than six months; For enterprise accounts or private accounts, if the enterprise cannot provide a business license, the running water for half a year is at least 500,000 yuan; register

2. Some loans need more than one year and have a fixed business place; The monthly flow of enterprises is more than 50,000 yuan.

Fourth, can enterprises use running water loans?

Running water is definitely an important aspect of loan reference, and there are many other conditions, such as the assets and liabilities of the enterprise, the purpose of the loan, whether it belongs to a prohibited industry and so on. For details, please consult the local bank credit department.