Several basic conditions that an enterprise must have are:
1. It must be approved by the State Administration for Industry and Commerce, registered and hold a business license;
2 the implementation of independent economic accounting, independent management, self financing, with the ability to repay the principal and interest on schedule;
3. Have a certain self-owned capital and product market, and at the same time, production and operation need to be profitable;
4. Abide by laws and regulations and open basic account and general deposit accounts in banks as required;
5. The asset-liability ratio meets the requirements of banks.
What company can lend money?
There are many lending institutions, and many companies can lend. However, the loan company is a special company and must go through various approvals before it can operate related businesses. Next, let's look at the conditions that loan companies need to meet, and what kind of companies can lend.
What company can lend money?
A loan company refers to a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of China Banking Regulatory Commission according to relevant laws and regulations, which provides loan services for county farmers, agriculture and rural economic development. It is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.
The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies in terms of definition and business scope. On August 1 1, 2009, the CBRC issued the Notice on the Management Provisions of Loan Companies (No.76 of 2009), which standardized the behavior of loan companies in China.
The establishment of a loan company shall meet the following conditions:
(1) Having articles of association that meet the requirements;
(2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time;
(3) Having senior managers with professional knowledge and professional work experience;
(4) Having staff with corresponding professional knowledge and work experience;
(5) Having the necessary organizational structure and management system;
(6) Having business premises, safety precautions and other business-related facilities that meet the requirements;
(7) Other conditions stipulated by China Banking Regulatory Commission.
To establish a loan company, its investors shall meet the following conditions:
(1) The investor is a domestic commercial bank or a rural cooperative bank;
(2) Its assets are not less than 5 billion yuan;
(3) Good corporate governance and sound and effective internal control;
(four) the main prudential supervision indicators meet the regulatory requirements;
(5) Other prudential conditions stipulated by the CBRC.
The application for the establishment of a loan company shall be accepted and decided by the banking regulatory branch or the local banking regulatory bureau. The banking regulatory bureau shall make a written decision on approval or disapproval within 4 months from the date of receipt of complete application materials or acceptance. The establishment of a loan company shall be accepted, examined and decided by the banking regulatory branch or the local city banking regulatory bureau. The banking regulatory branch or the local banking regulatory bureau shall make a decision on approval or disapproval within 2 months from the date of acceptance.
A loan company may set up branches in this county. The establishment of a branch needs two stages: preparation and opening. The preparatory plan for the branch of the loan company shall be reported to the supervision office for the record in advance. If there is no supervision office, it shall be filed with the banking regulatory branch or the local banking regulatory bureau. The loan company can start the preparatory work after filing the branch preparatory plan. The application for business opening shall be accepted, examined and decided by the branch of banking supervision or the local banking regulatory bureau, and the branch of banking supervision or the local banking regulatory bureau shall make a decision on approval or disapproval within 2 months from the date of acceptance.
A loan company and its branches that have been approved to start business shall be issued a financial license by the decision-making organ, and shall register with the administrative department for industry and commerce with the financial license to obtain a business license.
Can a newly established company get a loan?
It is generally difficult for newly established companies to obtain loans. After all, many banks require enterprises to operate for more than two years before applying for loans, and some lending institutions will provide loan services at least one year after the company is established. This is not absolute. After all, banks and lending institutions pay more attention to the company's repayment ability, profitability, development space and so on, rather than the company's operating years.
If the company has some good development projects, or can provide land and real estate as collateral, or a well-qualified third party provides guarantee, even if it has just been established, it may not be able to get loans.
Even if you meet the company's operating life, you may not be able to get a loan smoothly. Because banks and lending institutions will also have certain requirements for other aspects of the company, such as the need for the company to provide financial reports in recent years, requiring the company's sales revenue growth and gross profit to be positive, the company is not in a high-pollution and high-energy-consuming industry, and the borrower has certain assets and good personal credit.
Enterprise loan 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. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
In view of market changes and customer characteristics, actively innovate financing schemes for small and micro enterprises. CreditEase Company took the lead in launching an innovative business-Cheyi Loan, which effectively broadened the financing channels for small and micro enterprises and helped enterprises solve the financing problem.
In China, banks generally do not provide automobile mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. The "easy car loan" service in car mortgage is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs. The "Easy Car Loan" credit service launched by CreditEase Company has the advantages of high approval amount, flexible loan term, simple and fast procedures, no pre-loan fees, and thoughtful service.
Can I borrow money from the company's business license?
Yes, you can get a loan with a business license, but at the same time you must meet the conditions of the loan. Business license is an essential material for enterprises to apply for loans, but a separate business license cannot be used for loans. In addition, the general rule of banks is to obtain a business license for at least 1 year before applying for loans, and a few financial institutions have lowered the threshold to half a year.
Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.
The company's business license can be loaned, but it requires the business license to be processed for more than one year, and the credit is good.
Relevant information that can prove the marital status of the legal representative, as well as legal and sufficient collateral or pledge, should be provided when handling.
A company legally established in accordance with Article 7 of the Company Law shall be issued a business license by the company registration authority.
The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
Article 7 of the Company Law stipulates that a company established according to law shall be issued a business license by the company registration authority.
The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
What company can finance?
Any company can raise funds, and there are financing channels.
In a narrow sense, financing is the behavior and process for enterprises to raise funds, that is, according to their own production and operation status, capital ownership status and future business development needs, through scientific prediction and decision-making, certain methods are adopted to raise funds from investors and creditors of enterprises through certain channels and organize the supply of funds to ensure the normal production needs and business management activities of enterprises.
Broadly speaking, financing is also called finance, that is, the financing of monetary funds and the behavior of the parties to raise or lend funds in the financial market in various ways. "New palgrave Dictionary of Economics" explains financing: financing refers to the monetary transaction means to pay for purchases that exceed cash, or the monetary means to raise funds for the acquisition of assets.
Extended data:
First, common forms
1, bank loan
Banks are the main financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills.
2. Stock financing
The stock is permanent, has no expiration date, does not need to be returned, and has no pressure to repay the principal and interest, so the financing risk is small. The stock market can promote enterprises to change their management mechanism and truly become a legal entity and market competition subject with independent operation, self-financing, self-development and self-restraint. At the same time, the stock market provides a broad stage for asset reorganization, optimizes the organizational structure of enterprises and improves the integration ability of enterprises.
3. Bond financing
Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. When an enterprise goes bankrupt and liquidates, creditors have priority over shareholders in claiming compensation for the remaining property of the enterprise. Corporate bonds, like stocks, are securities and can be freely transferred.
Second, financing channels.
1, bank
When you need financing, you should first think of the bank. Bank loan is called the "reservoir" of risk financing. Because banks have strong financial resources and most of them have government background, they have a "mass base".
2. Financing platform
Because it is difficult to obtain financing from banks, the third-party financing platform is a good choice for financiers. For example, the investment and financing community, the largest third-party financing platform in China, provides more professional investment and financing information services.
3. Credit card
With the innovation of commercial banking, the settlement method of credit card is becoming increasingly electronic. Credit cards are not only fashionable, but also feasible for people engaged in business to obtain certain funds through credit cards when they are in urgent need of turnover.