What are the channels for SME loans?

1. Upstream and downstream channels: small enterprises can look for loan opportunities from the upstream and downstream of the industrial chain. If they are dealers of a well-known brand car, they can use the credit and guarantee of upstream manufacturers to get loans. If they are material suppliers of a leading enterprise, they can also use orders to go to the bank for order pledge.

2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and many preferential policies have been introduced one after another. The small enterprise bureau and the industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a joint bank-securities loan project, and some will provide guarantees for small enterprise loans by setting up guarantee institutions.

3. financial institutions: loan information can be obtained from various commercial institutions, and from development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for small business loans under them.

4. Local channels: If you are a member of a county-level industrial cluster or a local industry with advantages and characteristics, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.

Extended information:

What are the ways for SMEs to get loans?

first, comprehensive credit

that is, some enterprises with good operating conditions and reliable credit are granted a certain amount of credit line within a certain period of time, which can be recycled by enterprises within the validity period and credit line. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money in installments according to their own operating conditions, and it is very convenient for enterprises to borrow money, and it also saves the loan cost. Banks provide loans in this way, generally for enterprises with industrial and commercial registration, qualified annual inspection, good management, reliable reputation and long-term cooperative relations with banks.

second, credit guarantee loans

in 31 provinces and municipalities across the country, more than 1 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The source of the guarantee fund is generally composed of local government financial allocation, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise borrows money from a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies that specialize in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

iii. Project development loans

Some high-tech SMEs can apply for project development loans from banks if they have significant scientific and technological achievements transformation projects and the initial investment amount is relatively large, which is unbearable for their own capital. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements for technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

iv. loans secured by natural persons

natural person guarantees can take three forms: mortgage, pledge of rights, mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint and several liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the loan principal and interest on schedule or other breach of contract occurs, the bank will require the guarantor to fulfill the guarantee obligation.

V. Personal entrusted loans

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loans. That is, a loan that is entrusted by an individual to provide funds, and is issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedure for handling personal entrusted loans is:

The principal applies to the bank for loan.

the bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

the principal and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term and repayment method.

after the borrower and lender negotiate the requirements, they go to the bank together and sign entrustment agreements with the bank respectively.

the bank investigates the credit status and repayment ability of the borrower and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

VI. Discount loan on bills

Discount loan on bills refers to that the bill holder transfers commercial bills to a bank and obtains the funds after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One of the advantages of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as a few tens of days to as many as 3 days until the bill is cashed, and the funds are idle during this period. If enterprises can make full use of discounted bills, it is much simpler than applying for loans, and the loan cost is very low. Discounting bills can only be done by taking the corresponding bills to the bank for relevant procedures, which can generally be completed within three business days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of being widely and actively used by small and medium-sized enterprises.

VII. Pawning loan

Pawning is a kind of loan method that takes physical objects as collateral and obtains temporary loans in the form of ownership transfer of physical objects. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop has almost zero credit requirements for customers, and the pawnshop only pays attention to whether the pawned items are genuine or not. Moreover, general commercial banks only do real estate mortgage, while pawnshops can pledge both movable property and real estate. In fact, in addition to pawn shops, microfinance service institutions, guarantee companies, companies and other institutions are carrying out vehicle mortgage loan business in succession.

VIII. Intellectual property

Intellectual property refers to applying to the bank for financing of small and medium-sized enterprises with the property rights in the legally owned patents, trademarks and copyrights after evaluation. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally they need to be insured by the legal representative of the enterprise. Nevertheless, those excellent small and medium-sized enterprises with independent intellectual property rights can still try.

How do small and micro enterprises get loans

Question 1: How can small and micro enterprises get loans? enterprise credit loans: They need a business license for more than 3 years, have local real estate, and have an annual flow of more than 1.2 million yuan, so they can get a maximum loan of 3, yuan.

enterprise mortgage loan can be made: mortgage loan for real estate under the name of a legal person can reach up to 14% of the total value of the real estate, and personal mortgage loan can be made if the business license is over one year

mortgage loan for private property under the name of an individual can reach up to 7% of the total value of the real estate

Question 2: What materials are needed for small and micro enterprises to apply for interest-free loans? Conditions for interest-free bank loans:

1.

2. Proof of fixed residence and business place. The proof of fixed residence can be the real estate license (or the real estate license of parents' names), and the proof of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend or not, because the amount of venture loans is generally not more than 7% of the total amount of funds needed by lenders for normal production and business activities, as well as for purchasing (installing or repairing) small equipment and franchising.

4. settlement account. The loan applicant must open a settlement account with the bank he is lending, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and the provisions of the Bank's credit policy, and it is not allowed to be used for other speculative investment projects such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, whether individuals pay interest first, then financial subsidies, or financial interest in advance has not yet been determined, but the financial discount is certain.

The conditions for interest-free loans of each bank are different, but the above items need to be met, and then there will be more procedures. You must prepare all the information before lending, so as not to waste time running back and forth.

question 3: does the small and micro enterprise loan provide the required information? 1. Application;

2. Company profile;

3. A copy of the company's business license;

4. Enterprise code certificate;

5. Tax registration certificate (national tax and local tax);

6. Production and business license and qualification certificate of special industry;

7. Articles of Association;

8. capital verification report;

9. Brief introduction of the legal representative;

1. ID card of the legal representative;

11. the identity certificate of the legal representative issued by the company;

12. The board of directors agreed to the loan resolution;

13. Financial statements verified by accounting (auditing) firms in recent three years;

14. Balance sheet, profit and loss statement and cash flow statement for the last three months;

15. Description of financial status: a) Description of liabilities; B) investment description; C) Description of sales revenue and profit sources of the enterprise; 16. Loan card and its password;

17. Description of providing loan guarantees for other enterprises;

18. repayment plan;

19. Copies of ongoing and upcoming business contracts;

2. Capital use plan or project feasibility report;

21. Materials required for collateral:

a) Proof of ownership of collateral (state-owned land use right certificate and house ownership certificate); B) Collateral evaluation report.

question 4: how do banks define loans to small and micro enterprises? Minsheng, China Merchants Bank, Shanghai Pudong Development Bank, Huaxia, Guangfa and other banks are all joint-stock banks that pay more attention to small and micro loans, but their definitions of small and micro enterprise finance are different. Minsheng Bank aims at small enterprises and micro-enterprises with loans ranging from 1 million yuan to 5 million yuan, while Shanghai Pudong Development Bank implements a large retail model, which mainly includes personal consumption, personal business loans and small and micro loans below 5 million yuan. Huaxia Bank is aimed at personal business loans and micro-loans below 2 million yuan.

question 5: application conditions for corporate loans for small and micro enterprises. as far as I know, corporate loans for small and micro enterprises are business loans for small enterprises, which are mainly used to meet the normal capital needs of enterprises in the production and operation process. Then, can an enterprise legal person apply for an enterprise loan?

as far as I know, as long as they are small enterprises with loan qualifications approved and registered by the state administration for industry and commerce, they can apply to the bank.

1. Advantages of loans for small and micro enterprises:

1. Higher loan amount

The credit line of corporate loans for small enterprises is higher, for example, the maximum amount stipulated by the Postal Savings Bank is RMB 2 million; The loan term shall not exceed five years at the longest; The loan interest rate shall fluctuate appropriately on the basis of the benchmark interest rate of commercial loans of the People's Bank of China.

2. Diversification of loan methods for small enterprises

Loans for small enterprises as legal persons can adopt various guarantee methods such as real estate mortgage, chattel pledge and guarantee, or they can be combined.

II. Conditions for applying for corporate loans for small and micro enterprises

1. Customer groups: legal representatives of limited companies or wholly-owned enterprises aged 24-65 who have been established for more than 6 months and have all three certificates;

2. Income requirements: the monthly income is more than 3, yuan, and it is necessary to provide personal or company running water in the past six months;

3. Credit conditions: no bad record of malicious default;

4. Other conditions: local real estate.

5. Other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter;

III. Application materials for corporate loans of small and micro enterprises:

1. Basic materials: such as business licenses (originals and copies) that have passed the annual inspection;

2. Information of the business owner and relevant personnel: such as valid identity documents of the legal representative and spouse;

3. Business information, such as financial statements, running water in bank accounts, etc.

4. Mortgaged materials, such as proof of ownership of the property to be mortgaged/pledged;

5. Other materials required for handling the loan.

question 6: how to apply for loans for small and micro enterprises? What qualifications do you need? The materials to be prepared for small and micro enterprise loans

include: 1. Business license, code certificate of technical supervision bureau and tax registration certificate;

2. account opening license and loan card;

3. A copy of the ID card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise;

iv. Articles of Association, capital verification report or relevant investment agreements, joint venture agreements or partnership contracts or agreements of shareholders of non-wholly-owned enterprises;

5. Details of settlement accounts in the past year;

VI. Financial statements for the last three years;

VII. Contracts and vouchers related to financing.

five steps in the process of scouring financial loans: apply for loans online; Staff telephone confirmation; Consultant evaluation; Send it to the bank; Bank lending.

question 7: how to apply for ICBC loans for small and micro enterprises? how do small and micro enterprises want to apply for ICBC loans, and what information do they need to prepare? Details are as follows: First, business license, code certificate of Technical Supervision Bureau and tax registration certificate; The second is the account opening license and loan card; The third is a copy of the ID card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise; Fourth, the company's articles of association, capital verification report, investment agreement, joint venture agreement or partnership contract or agreement of shareholders of non-wholly-owned enterprises; Fifth, the details of settlement accounts in the past year; Sixth, financial statements for the past three years; Seventh, contracts and vouchers related to financing. Of course, the specific provisions shall be subject to the provisions of ICBC!

question 8: how do small and micro enterprises apply for interest-free loans for them?