Good personal and corporate credit: as an applicant for corporate loans, legal representatives also need to meet the banking conditions for their own credit information and finance. In addition, the assessment of enterprise credit mainly includes settlement credit and loan credit. Banks will focus on the capital flow, operation, tax payment, profits and other contents of enterprises, and there can be no negative information such as illegal acts, tax evasion and arrears of wages. The qualifications of business owners are good: the qualifications of company representatives are also very important. In addition to examining all aspects of the enterprise, the lending institution will also examine the qualifications of the legal representative, such as credit information, financial status and future planning of the enterprise. These are all important factors that determine whether an enterprise can successfully obtain loans. Provide true and reliable financial statements: A company's financial statements can reflect many problems. If there are some phenomena such as lack of laws and regulations and confusion in financial management, the bank may directly reject your application, because such enterprises are at greater risk of overdue in the eyes of lending institutions. Assets and liabilities should not be too high: generally speaking, the asset-liability ratio of companies applying for loans should not exceed 60%. Moreover, the annual net operating cash flow in financial statements cannot be negative, and the same profit cannot be negative. Formal private lending companies must have articles of association that meet the requirements. Formal private lending companies must have sponsors or investors who meet the prescribed conditions. Formal private lending companies are prohibited from absorbing other people's funds and lending.
; Formal private lending companies are prohibited from absorbing other people's funds and lending. The interest of a regular private lending company shall not exceed the upper limit set by the state (four times the bank's loan interest rate for the same period), and the excess shall be invalid. Formal private lending companies must have legitimate purposes and must not provide loans for others to engage in illegal activities. The lender knows that the borrower borrows money for illegal activities, such as illegally providing gambling funds, smuggling funds, providing escape funds for criminal suspects, etc., and its lending relationship is not protected; If both parties illegally borrow money, their property may be confiscated, fined or detained; Anyone suspected of committing a crime shall be investigated for criminal responsibility according to law.
Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). To apply for a loan, the borrower should meet the following basic conditions: first, 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; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened.
What are the conditions for opening a formal private lending company?
The conditions are as follows:
1. Formal private lending companies must have articles of association that meet the requirements.
2. Formal private lending companies must have sponsors or investors who meet the prescribed conditions.
3. Formal private lending companies are prohibited from absorbing other people's funds and lending instead.
4. The interest of a regular private lending company shall not exceed the upper limit set by the state (4 times of the bank's loan interest rate for the same period), and the excess shall be invalid.
5. Regular private lending companies must have a legitimate purpose and may not provide loans for others to engage in illegal activities.
The lender knows that the borrower borrows money for illegal activities, such as illegally providing gambling funds, smuggling funds, providing escape funds for criminal suspects, etc., and its lending relationship is not protected; If both parties illegally borrow money, their property may be confiscated, fined or detained; Anyone suspected of committing a crime shall be investigated for criminal responsibility according to law.
Extended data:
Faced with the chaos of private lending, it is urgent for the government to regulate and guide it and give some intervention and assistance to major risk events. Fortunately, the problem of private lending and financing difficulties of small and medium-sized enterprises has attracted great attention of the government, and the State Council and relevant departments have successively issued corresponding policies and measures to alleviate the financing difficulties of small and medium-sized enterprises.
However, it is a systematic and comprehensive project to fundamentally solve the financing difficulties of small and medium-sized enterprises and eradicate the chaos of private lending, which cannot be achieved overnight. To completely solve the above problems, we must start with institutional mechanisms, accelerate the pace of macroeconomic structural transformation, and coordinate the reform of interest rate marketization, structural financial support policies for small enterprises and other institutional levels. Specific suggestions are as follows:
First, accelerate the transformation of economic structure, guide and support the further development and growth of private economy through policies, and realize the rebalancing of state-owned economy and private economy. Only by providing all market players with equal opportunities for resource allocation and an environment for fair participation in market competition can we continuously maintain the vitality of the private economy.
In China, a country with a population of 654.38+0.3 billion, only by maintaining the vitality of the private economy can we fully solve the employment problem and promote consumption. Only by constantly promoting consumption and increasing the proportion of consumption in GDP can we gradually get rid of the investment-driven economic growth model. Therefore, the further development of private economy is a necessary condition for the success of economic restructuring.
Fortunately, in the face of the new situation and new problems faced by small and medium-sized enterprises in the current development process, fiscal policy has further increased policy support for small and medium-sized enterprises, especially small and micro enterprises.
The second is to open financial licenses to private capital, reasonably guide private capital to form formal financial institutions, increase the number of financial institutions, and further cultivate a fully competitive financial environment.
Many small banking financial institutions absorb private capital to meet the normal financing needs of a large number of small and medium-sized enterprises, and bring the capital originally in the field of private lending into the formal financial channels and normal supervision scope, so that the financing channels of both the supply and demand sides of private capital can be completely opened and straightened out from the system.
Third, it is necessary to relax interest rate control, expand the floating range of bank deposit and loan interest rates, further promote the reform process of interest rate marketization, and make market players fully compete with the price of funds as the core, so as to achieve the goal of rational and optimal allocation of various resources and economic factors.