The corporate loan process is as follows: 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.
Second, the guarantee company loan process
Legal analysis: the loan process of the guarantee company is: 1. Write the loan application form and submit relevant materials; 2. The bank shall examine the authenticity of the information submitted by the borrower in accordance with the regulations; 3, in line with the conditions, loans; 4. Track the loan use and operation of enterprises.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.
Article 678 The borrower may apply for extension. If the lender agrees, it can be extended.
Article 679 A loan contract between natural persons was established.
Third, the enterprise loan process.
Corporate loan process: 1. Loan application; If an enterprise needs a loan, it should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application form including the loan amount, loan purpose, repayment ability and repayment method, and provide information. Second, banks are subject to censorship; 1. The bank verifies the customer's situation and judges whether it has the conditions to establish a credit relationship according to the bank loan conditions. 2, according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. 3. Investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. Third, sign a loan contract; After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed. Fourth, issue loans; The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. 5. Post-loan inspection; After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation. 6. Loan repayment; The borrower shall repay the loan principal and interest in full and on time according to the provisions of the loan contract, and go through the withdrawal procedures according to the provisions. According to Article 11 of the Interim Measures for Personal Loans, the application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.