How to handle corporate bank loans? When handling corporate bank loans, we must strictly follow the bank loan process, so as to save time and effort and improve the success rate of corporate bank loans.
Introduction of enterprise bank loan process
1. Establish a credit relationship. The enterprise shall submit the Application Form for Establishing Credit Relationship to the bank in duplicate. After receiving it, the bank will investigate the nature, feasibility, efficiency and capital utilization of the enterprise. After investigating these facts, the bank signed a contract with the enterprise to establish a credit relationship.
2. Enterprises apply for loans. After establishing a credit relationship with a bank, an enterprise may apply for a loan from the bank according to its reasonable capital demand in the course of operation. The loan application form must be submitted when applying, and the bank will review the loan application submitted by the enterprise according to the national industrial policy, credit policy and related systems; Hangzhou enterprise loan
3. The bank conducts loan review. The loan review conducted by the bank usually includes:
Direct use of corporate loans;
(2) The recent operating conditions of the enterprise;
(3) enterprise potential plan, flow plan and its implementation;
(4) the development prospect of the enterprise;
(5) corporate debt capacity, etc.;
4. Enterprises and banks sign loan contracts. The loan contract is a written contract signed by the buyer and the lender, which is an economic contract and can better protect the interests of both enterprises and banks. The contents of the loan contract are generally decided by the enterprise and the bank after consultation, and generally should include the following terms:
① loan type;
(2) the purpose of the loan;
③ loan amount;
(4) loan interest rate;
(5) Term of the loan;
⑥ Sources of repayment funds and repayment methods;
⑦ clause;
8. Liability for breach of contract;
Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by both the enterprise and the bank;
5. Banks issue loans to enterprises. After the enterprise signs the loan contract with the bank, the bank shall fill in the loan notice. After the loan application and loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account. To this end, how to handle bank loans for enterprises is completed.
How does the company handle the loan? What are the requirements for handling?
Now, not only individuals buy mortgage loans, but also enterprises will consider loans when buying a house. So how do enterprises apply for bank loans? What are the conditions? Let's get to know each other.
Enterprises can borrow money from banks according to the following steps:
1. Submit a loan application to the bank and complete loan information;
2. Banks accept loans and approve loans;
3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;
4. After all the procedures are completed, the bank will issue loans;
5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.
Basic conditions for handling loans:
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 operation, self financing. That is, enterprises have the right to engage in production, commodity circulation and other business activities independently, have independent operating funds, independent financial plans and accounting statements, rely on their own income to compensate expenses, independently plan profits and losses, and independently sign purchase and sale contracts;
3. Have certain self-owned funds;
4. Abide by policies and decrees and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required;
5. There is a market for products;
6. Production and operation should be profitable;
7. Do not misappropriate credit funds;
8. Abide by more than ten items such as credit.
The above is about "How does the company handle loans? What are the conditions for handling? " Related content, whether it is an enterprise or an individual, loan credit information is very important. Once there is a problem, you can't apply for a loan. Please pay attention.
How do enterprises borrow money from banks?
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. So, how do enterprises borrow money from banks?
How do enterprises borrow money from banks?
1. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantors when necessary.
2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.
3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.
4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.
What conditions do enterprises need to borrow from banks?
First and foremost, look at your company's operating conditions, that is, its financial strength. A good financial statement is very useful. You have to find a way to convince the bank that you are profitable at present and will be profitable in the future.
Secondly, we will also focus on the purpose and duration of the loan to see if the project you borrowed can be profitable, that is, the company's future profitability. To put it bluntly, it is to see whether the loan can be safely recovered after the specified time.
Third, it is necessary to have certain self-owned funds and collateral (to be evaluated by the evaluation company). If we can find a strong guarantor, the loan will be easy. These are just general requirements. The specific requirements of each bank are not very consistent. Need to make initial contact with the bank to see if it meets the requirements of bank loans after the bank credit rating.
What are the financing strategies for SMEs?
1, pursuing rationality in the amount of funds. For small and medium-sized enterprises, the purpose of financing is to directly guarantee the funds needed for production and operation. Insufficient funds will affect the development of production, while excess funds will also lead to the reduction and waste of funds. Due to the difficulty in financing small and medium-sized enterprises, operators are often prone to make the mistake of "more Han Xinbing, the more the better" when encountering a relatively relaxed financing environment. If the raised funds are used unreasonably or are not really needed, then good things will turn into bad things, and enterprises may bear a heavy debt burden, which will affect the subsequent financing ability and profitability.
2, the pursuit of efficiency in the use of funds. Small and medium-sized enterprises do not have as many choices as large enterprises in financing channels and methods, but this does not mean that they can only "be hungry for food". On the contrary, small and medium-sized enterprises, because of their weak ability to resist risks and difficulties in financing, should weigh each sum of funds well, comprehensively consider business needs and capital costs, financing risks, investment returns and many other factors, and must analyze the relationship between capital costs and investment returns in combination with the source and investment of funds to avoid making mistakes.
3. Pursuing the matching of capital structure. The use of funds by small and medium-sized enterprises determines the type and quantity of financing. According to the principle of structural matching, it is appropriate for small and medium-sized enterprises to raise funds for fixed assets and permanent current assets by medium and long-term financing; Due to seasonal, cyclical and random factors, it is appropriate to focus on short-term financing.
4. In terms of capital operation, we pay more attention to stock financing while pursuing incremental financing. Incremental financing refers to increasing the total amount of funds in quantity to meet the needs of production and operation; Stock financing refers to avoiding unreasonable use of funds and improving the use effect of unit funds by adjusting the structure and acceleration of capital occupation without increasing the total amount of funds, so as to meet the expanding production and operation needs of small and medium-sized enterprises.
What information and procedures does a company need to provide when applying for a loan from a bank?
Application materials:
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
operation flow
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Extended data:
Generally speaking, the bank's credit to enterprises mainly examines four aspects:
1, bank credit
Including settlement credit and loan credit:
Settlement credit refers to the normal cash settlement of the enterprise applying for a loan, and there are no bad records such as violation of settlement discipline, refund, bill refund and fine.
Loan credit means that the enterprise applying for a loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as loans overdue and interest default.
In particular, the boss must pay attention to finance personally. Some enterprises forgot the repayment date because of a moment's negligence. Once the repayment period has passed, it will become overdue and become the "blacklist" of the banking system (Shanghai's banking system is networked).
You are suddenly "dark", and the whole city knows. Even if you think about it the next day, it's hard to ask for a rain check. Even if the president wants to help you, there is nothing he can do. Remember: it is not difficult to borrow again after borrowing and returning!
2. Commercial credit: The enterprise applying for loans can abide by the promises of the merchants and will not breach the contract in the performance of the contract and the settlement of accounts payable and debts.
3. Financial credit: accounting settlement is standardized, accounting statements are authentic, assets are true, and there is no fraud such as cash withdrawal.
4. Tax credit: the enterprise can pay the tax payable on time, and there is no bad record such as tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.