1, and the credit rating of corporate customers is at least AA- or above;
2. The enterprise has been established for more than 3 years and is in good operating condition;
3. The applicant applying for enterprise credit loans has good credit and no personal loans overdue record in the past three months;
4. The operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest;
5. The company's operating income and profits have increased continuously in the past three years;
6. The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable;
7. The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million;
8. Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months and monthly reports for the last month;
9. The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this;
Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.
2. What are the requirements for CCB to apply for enterprise credit loans?
CCB enterprise credit loans refers to the loan granted by CCB with the reputation of business operators as the guarantee, and the loan target is mainly small and medium-sized enterprises in industrial and commercial registration. The loan period for general enterprises is 1-2 years, and the loan amount for enterprises is 1 10,000-500,000 yuan.
The conditions for applying for CCB enterprise credit loans are as follows:
1. conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption.
2. The business operator or actual controller has more than 3 years of experience and good quality.
3. The operation of the enterprise is stable, the establishment period is in principle more than 2 years (inclusive), and there is at least one financial report in one or more accounting years.
The total profit of operating income accounting has continued to grow in the past three years, and the asset-liability ratio has been controlled at 60%, which is sufficient and stable.
4 approved by the administrative department for Industry and commerce, holding a loan card issued by the People's Bank of China, and passing the normal annual inspection;
5. It has the organization and management system necessary for legal operation, and its products are marketable and profitable;
Strong debt ability, good repayment willingness, good credit status in various commercial banks, and no bad credit is classified as normal or non-financial factors.
7. Comply with national financial regulations and policies and relevant bank regulations.
3. What are the requirements for applying for enterprise credit loans?
1, and the credit rating of corporate customers is at least AA- or above;
2. The enterprise has been established for more than 3 years and is in good operating condition;
3. The applicant applying for enterprise credit loans has good credit and no personal loans overdue record in the past three months;
4. The operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest;
5. The company's operating income and profits have increased continuously in the past three years;
6. The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable;
7. The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million;
8. Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months and monthly reports for the last month;
9. The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this;
Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.