The CBRC stipulates that more than 300,000 yuan should be paid by trust, that is, the money will not be transferred directly to your account, but to the upstream and downstream companies that cooperate with your company. This is the only supervision. The bank has no direct relationship with the judiciary. As long as you repay the loan normally, the bank will not solve the problem through legal channels, so there is no legal obstacle.
Extended data:
Personal business loans refer to loans issued by banks to individuals engaged in legitimate production and operation, which are used to purchase or lease commercial houses in a targeted manner to meet the working capital needs and other reasonable capital needs of enterprises (including individual industrial and commercial households) controlled by individuals.
Classification of personal business loans: personal commercial housing loans, personal business loans, farmers' loans and small secured loans for laid-off workers.
Personal business loan process
Loan application form and loan information submitted by the business owner;
2. Information submitted by the bank for the borrower.
3, after the approval, the bank and the legal person signed a loan agreement.
4. Lending institutions issue loans;
5. The enterprise repays the loan on time.
Matters needing attention and process of handling loan card
Precautions:
The loan card is a magnetic card issued to the borrower by the People's Bank of China where it is registered, and it is the qualification certificate for the borrower to apply for credit business from financial institutions. The loan card records the code and password of the loan card, which is the voucher for commercial banks to log in to the "Bank Credit Registration and Consulting System" to inquire about the credit information of customers. Getting a loan card does not mean that customers can get a bank loan immediately. The key depends on whether the credit status of the enterprise meets the requirements of the loan bank.
2. Cardholder: an enterprise (unit) legal person and individual operator holding a business license issued by the administrative department for industry and commerce; There is no need to apply for a loan card in the name of an individual, except that the individual is an enterprise (unit) legal person or individual operator to provide guarantee for the loan.
Three. The loan card handling office conducts annual review on the loan card from March to June every year, and the loan card handled in that year does not need annual review.