1, enterprise business license,
2. Organization code certificate,
3. national tax certificate,
4. account opening permit,
5. Loan card (get the application form from the People's Bank, and then stamp it at the bank that handles the basic settlement account of the enterprise),
6. Audited annual financial statements for two consecutive years, and the latest unaudited monthly financial statements.
Problems needing attention in enterprise loan
1, and the asset-liability ratio shall not exceed 60% (including the loan amount you applied for).
2. In the financial statements, the annual net operating cash flow should not be negative.
3. The profit cannot be negative, and the net profit rate should be above 10%.
4. The approval of the loan amount generally does not exceed 30% of your sales income in the previous year.
2. What financial statements and data do enterprises need to provide when lending to banks?
It usually takes two to three years of audit statements and recent statements.
3. What materials are needed for bank loans, and what are the requirements for corporate financial statements?
1. Annual reports for the last three years, financial statements for the last three months and company notes for the last six months;
2. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months;
3, nearly six months of tax bills, signed the purchase and sale contract (if any);
4. Personal bank flow in the past six months or a year. Note: Loans can be divided into credit loans, third-party secured loans, mortgage loans and. According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, certificates of deposit, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments. Extended data:
General bank loan application conditions: 1, which is in line with the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection; 4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
4. When an enterprise applies for a loan, the bank needs the borrower to provide accounting statements for more than several consecutive years? ()
C