Generally speaking, SME loans are divided into mortgage loans and unsecured loans.
I. Comprehensive Credit Granting
That is to say, some operating certificates are set with a certain amount of credit line for recycling. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises with reliable business and long-term cooperative relations with banks.
Second, the credit burden
At present, there are 3 1 provinces and cities in China, and more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The guarantee fund consists of financial allocations from local governments, funds voluntarily raised by members and funds from commercial banks. When a member enterprise lends money to a bank, an intermediary service can be provided by the SME guarantee institution. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantee. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
Third, the project development loan
If some high-tech small and medium-sized enterprises have high-value scientific and technological achievements transformation projects, it is difficult to apply for project development loans because of their own funds. Commercial banks give positive speed to the transformation of scientific and technological achievements to small and medium-sized enterprises with high-tech products or patented projects with mature technology and good market prospects, as well as to small and medium-sized enterprises that use high-tech achievements for technological transformation. For high-tech small and medium-sized enterprises with stable project development relationship, banks can handle project development loans in addition to providing working capital loans.
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2. What are the types of SME loans? Divided into these different situations!
In modern society, there are many different forms of loans, among which personal loans and corporate loans are common categories, and corporate loans are divided into different types. Today, we will introduce the types of loans for SMEs.
First, tax loans are mainly based on the tax payment of enterprises in the past two years, and tax payment is an important audit object. Duration: generally 1-3 years; Amount: 500,000-3,000,000 annual interest: the minimum annual interest rate is about 5%. General tax and loan liabilities are included in the name of the enterprise and can be applied online. Two, the ticket loan is applied according to the annual invoice amount of the enterprise. Duration: 1-3 years; Amount: 500- 1 ten thousand; Annual interest rate: 65,438+00-20% of general bill loan liabilities are granted to individuals (more than 65,438+00% of legal persons and shareholders), and it is necessary to collect billing computer data, which can be operated remotely. Third, the running water loan is based on the running water of enterprises or individual banks. Term: 1-3 years: the loan amount of the bank is generally 65438+ 10,000-20 million; The amount of credit institutions is generally1-500,000; Annual interest rate: If corporate banks have related businesses, the general interest rate is 7- 12%, and the lending institutions have higher interest rates, with the interest rate exceeding 1.5% in most months. 4. Common online corporate loans 1, the maximum amount of corporate loans in JD.COM is 500,000, which supports the next installment of the same day, and the interest range is 40,000-60,000. Average capital, matching principal and interest, one-time principal and interest repayment methods are optional. Generally, an enterprise is required to be registered for more than one year and its registered capital meets the requirements. The legal person 18~65 years old. 2. Micro-industry loan Micro-industry loan is a pure credit loan specifically for small and micro enterprises. Considering the tax avoidance characteristics of enterprises, there are no hard and fast restrictions on the annual tax payment, corporate liabilities, legal person/business premises change, etc. in the loan application.
Three, there are several ways for SMEs to borrow from banks.
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4. What do you mean by bank type?
The types of banks are classified according to their attributes.
1. Central banks: For example, the People's Bank of China (PBC), the Federal Reserve and the Bank of England.
2. Regulators: such as China Banking Regulatory Commission (CBRC).
3. Self-regulatory organizations: For example, China Banking Association (CBA).
4. Banking financial institutions: including policy banks, five large commercial banks (industry, agriculture, construction and communications) and 12 national small and medium-sized joint-stock commercial banks (China Merchants, Shanghai Pudong Development Bank, CITIC, Minsheng, Xingye, Ping An, China Everbright, Huaxia, Guangfa, Zheshang, Bohai and Hengfeng);
City commercial banks, rural commercial banks (rural credit cooperatives), China Postal Savings Bank, foreign banks, non-bank financial institutions (companies), village banks, etc.