Definition of Pratt & Whitney Small and Micro Loans

Generally speaking, Pratt & Whitney Small and Micro Loans refer to Pratt & Whitney Small and Micro Enterprise Loans, which are loans issued by banks to small and micro enterprises for production and business activities. The total credit granted to a single household is below100000 yuan (inclusive). Loans are mainly aimed at the problems of "difficult financing" and "expensive financing" of small and micro enterprises, and are used by banks to help private and small and micro enterprises develop. Enterprises can enjoy a certain preferential loan interest rate when handling such loans, so that the interest paid by enterprises after handling loans is less, which is also very beneficial to the development of enterprises.

Expansive material

Small and micro enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and time limit for production and operation.

First, the standard of inclusive small and micro loans:

(1) When applying for inclusive microcredit, enterprises need to have good corporate credit, stable business operation, different bank regulations on corporate profits and income, and streamlined business operations. When applying, different enterprises get different loan quotas, and the better the information submitted, the more loan quotas they get.

(2) The biggest difference between general small and micro enterprise loans and inclusive small and micro enterprise loans lies in the credit line. Judging from the current situation, simply speaking, loans with a credit line of 654.38+million and less than 654.38+million can be regarded as inclusive loans with preferential interest rates.

(3) According to the Notice of State Taxation Administration of The People's Republic of China of the Ministry of Finance on Implementing the Inclusive Tax Relief Policy for Small and Micro Enterprises, small and low-profit enterprises refer to enterprises engaged in industries that are not restricted or prohibited by the state, and at the same time meet the three conditions of annual taxable income not exceeding 3 million yuan, employees not exceeding 300 and total assets not exceeding 50 million yuan.

Two. Precautions for Pratt & Whitney Small and Micro Loans:

(1) Repay the loan on time, and there can be no overdue repayment, because overdue repayment will generate penalty interest, and the longer the delay, the more penalty interest will be generated.

(2) The bank will collect overdue repayment, and if the amount is large, the bank can sue the borrowing enterprise.

(3) After the loan expires, the enterprise can apply for loan renewal, but it needs to meet the conditions stipulated by the bank.

(4) Enterprises can consult different banks to find out which bank has a low loan interest rate and choose a bank according to the conditions of enterprises.