1. An enterprise must be approved by the State Administration for Industry and Commerce to be established, registered and hold a business license.
2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.
3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds.
4. Abide by the policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.
5. Profit from production and operation. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds.
6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.
The above is summarized by 5 1 Fund Project Network for you. In addition to the above-mentioned basic conditions, an enterprise applying for a loan should also meet the following conditions: the original interest payable and the loan due have been paid off, and the repayment plan recognized by the lender has been made for the outstanding ones; The borrower has gone through the annual inspection formalities in the industrial and commercial department; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's asset-liability ratio meets the loan requirements; The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the capital ratio of investment projects stipulated by the state.
Enterprise loan conditions
Enterprise loan conditions are as follows:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, a fixed foundation and business premises, and legal and marketable products.
Field and benefit;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, and have no bad credit record;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise is stable in operation, established for more than 2 years in principle, with at least one or more financial reports for one fiscal year, and sold for 2 consecutive years.
Sales revenue growth and gross profit are positive;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
What are the conditions for a company loan?
Company loan terms: 1. It has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off.
2. Except for natural persons, the annual inspection shall be conducted by the administrative department for industry and commerce (competent authority).
3. basic account or general deposit account has been opened.
4. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.
5. The asset-liability ratio meets the requirements of the lender.
6. The ratio between the owner's equity of an enterprise legal person applying for medium and long-term loans and the total investment required for new projects shall not be lower than the capital ratio of investment projects stipulated by the state.
The following information must be provided:
(1) project feasibility report.
(2) Report on the completion of the preparatory work before the project starts.
(3) proof that the bank has deposited a certain proportion of funds.
(4) the implementation of the project investment plan or the notice of commencement issued with the approval of the competent unit and the certification materials required for the project to be completed and put into production according to the regulations.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.
At present, enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks and so on.
What are the requirements for applying for enterprise credit loans?
1, and the credit rating of corporate customers is at least AA- or above; The enterprise has been established for more than 3 years and is in good operating condition; The applicant applying for enterprise credit loans has a good credit, and his personal loan has no overdue record for nearly three months; , enterprise management norms, no evasion of debts, arrears of interest and other bad credit records; The company's operating income and profits have increased continuously in the past three years; The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable; The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million; Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months, and monthly reports for the last month; The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this; Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.