The purpose is to reduce the risk of misappropriation of loans. The current application of entrusted payment is that the single loan amount exceeds 5% of the total investment of the project or exceeds 5 million yuan.
Strengthening the scientific whole-process management of loans by commercial banks is not only helpful to improve the quality of loan issuance, but also beneficial to management and truly realize loan management. Commercial banks can upgrade the loan risk management model from extensive to refined.
Extended data
The loan methods of bank loans are as follows:
Skills for small and medium-sized enterprises to obtain bank loans and establish good relations between banks and enterprises. Pay attention to credibility. Investment projects should write a feasibility study report, highlighting the characteristics of the project. Choose the right loan opportunity. Get the support of SME guarantee institutions.
1. Risk loan
A special loan issued by an individual who has a certain production and operation ability or has been engaged in production and operation activities, who applies for capital requirements for starting or re-starting, and is approved by the bank for effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
3. Microfinance
According to "laid-off workers under 60 years old, healthy, honest and trustworthy, with certain labor skills, who are engaged in self-employment, self-employment, partnership or organized employment, they can apply for small secured loans from commercial banks or their branches with a re-employment concession card issued by the labor and social security department.
Baidu Encyclopedia-Entrusted Payment
Baidu encyclopedia-bank loan