How to borrow between enterprises?

Legal analysis: Inter-enterprise lending includes not only lending between non-bank institutions and enterprises such as microfinance companies and pawn companies with financial qualifications, but also lending between enterprises without financial qualifications. In commercial trials, the nature and effectiveness of different lending behaviors should be distinguished for inter-enterprise lending. For those who are not qualified to engage in financial business, the loan contract shall be deemed invalid.

Legal basis: general rules of loans

Article 21

The lender must be approved by the People's Bank of China to operate the loan business, hold the License for Legal Person of Financial Institution or the Business License of Financial Institution issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.

Article 61

Administrative departments at all levels, enterprises and institutions, supply and marketing cooperatives and other cooperative economic organizations, rural cooperative foundations and other foundations shall not engage in financial business such as deposits and loans. Enterprises shall not handle lending or disguised lending financing business in violation of state regulations.