Corporate loan process:
1. Submit basic information: business license of enterprise as a legal person, qualification certificate of enterprise as a legal person, organization code certificate of enterprise, tax registration certificate, account opening permit of basic bank, etc.
2. Credit evaluation: The investigators determine the credit rating of the lender according to the quality of the lender's leadership, economic strength, capital structure, performance, operating efficiency, enterprise development prospects and other factors.
3. 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.
4. Comprehensive judgment: the examiner verifies the materials provided by the investigators, judges the current situation, medium-and long-term development, 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.
5. Signing a contract: If the bank considers that all the loan applications meet the requirements after examination and agrees to the loan, it shall sign a loan contract with the lender.
6. Loan issuance: After the contract is signed, both parties shall verify the loan according to the contract.
Legal basis: Article 16 of the Interim Measures for the Administration of Working Capital Loans.
The lender shall calculate the borrower's working capital demand according to its business scale, business characteristics, accounts receivable, inventory, accounts payable, capital cycle and other factors (see Annex for calculation method), and comprehensively consider the borrower's cash flow, liabilities, repayment ability, guarantee and other factors to reasonably determine the loan structure, including amount, term, interest rate, guarantee and repayment method.