What is the general purpose of corporate loans?

Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. It 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.

Basic requirements for enterprise loans:

1. SMEs registered in Shanghai? .

2. Hold a loan card issued by the People's Bank of China, and have no bad credit record.

3. The company has been registered and operated for more than 3 years, with an annual turnover of more than 3 million in the latest year.

Extended data:

Loan method:

1. Credit loan refers to the loan issued by the bank with the credit of the borrower, and the borrower does not need to provide guarantee.

According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.

2. Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.

According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan.

Baidu encyclopedia-enterprise loan