Bank loan process
Borrowing units must
1. It must be approved by the State Administration for Industry and Commerce, registered and hold a business license;
2, the implementation of self financing. In other words, enterprises have independent operating capital and single 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 following conditions shall also be met:
1, has the ability to repay the principal and interest on schedule, that is, the interest has been paid off, and the repayment plan approved by the bank has been made for the outstanding interest;
2, the administrative department for Industry and commerce for annual inspection procedures;
3. The asset-liability ratio meets the requirements of banks and so on.
Loan application form
A power of attorney that requires two copies to be filled out, stamped with the official seal of the company, and provided for the payment procedures of legal person and enterprise legal person.
Loan application form
Fill in and prepare materials according to the details of required written documents:
1, legal loan certificate;
2. Loan application report. The report includes the following contents: basic information of the enterprise, including registered capital, nature of the enterprise, affiliation, office location, telephone number, contact person, main business and enterprise introduction; General situation of enterprise legal person, including name, gender, occupation and position, performance, etc. ; Write down the loan amount, purpose, term, repayment method and guarantee form in detail, and attach the project feasibility report, purchase and sale contract, etc. ; The financial status of the enterprise, including total monetary capital, total assets and current net profit.
3. Financial statements. Including two aspects: first, the income statement and the statement of changes in financial status; Current balance sheet and income statement;
4. Relevant certificates and vouchers (both the borrower and the guarantor must submit). These certificates include: a copy of the business license and its copy; Legal person ID card and its copy; If someone else submits a copy of my ID card and a power of attorney from the legal person (the power of attorney must be signed by the legal person and stamped with the official seal);
5. Materials to be submitted for loan guarantee. That is, copies and photocopies; The financial statements of the guarantee unit, including the balance sheet, income statement and statement of changes in financial position of the previous year, as well as the balance sheet and income statement of the current period; The guarantee unit shall affix its official seal;
6. Detailed catalogue of pledged property and proof of property right or ownership; Proof of the value of collateral and chattel pledge; Assessment report on pledge of collateral and movable property; Identity documents and rights pledge certificates.
Waiting for bank acceptance and approval.
Second, what qualifications does the loan company need?
(1) Having articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission.
Six, the establishment of a loan company investors should have the conditions.
(1) The investor is a domestic commercial bank or a rural cooperative bank; (2) Its assets are not less than 5 billion yuan; (3) Good corporate governance and sound and effective internal control; (four) the main prudential supervision indicators meet the regulatory requirements; (5) Other prudential conditions stipulated by the CBRC.
Seven, the main regulatory indicators
(a) loan companies should adhere to the principle of small-scale decentralized loans, improve loan coverage, and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital. (II) The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% at any time and the asset loss reserve adequacy ratio is not less than 65,438+000%. (3) The NPL ratio is less than 5%
3. What qualifications does the loan company need?
(1) Having articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission.
Six, the establishment of a loan company investors should have the conditions.
(1) The investor is a domestic commercial bank or a rural cooperative bank; (2) Its assets are not less than 5 billion yuan; (3) Good corporate governance and sound and effective internal control; (four) the main prudential supervision indicators meet the regulatory requirements; (5) Other prudential conditions stipulated by the CBRC.
Seven, the main regulatory indicators
(a) loan companies should adhere to the principle of small-scale decentralized loans, improve loan coverage, and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital. (II) The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% at any time and the asset loss reserve adequacy ratio is not less than 65,438+000%. (3) The NPL ratio is less than 5%