The factors that affect the success of enterprise loan include enterprise financial status, enterprise credit, enterprise type and comprehensive strength of enterprise owners.
1, financial status of the enterprise
The reason why it is difficult to investigate small business loans is that banks don't trust the repayment ability of small businesses, so the financial situation of enterprises plays a decisive role. If the enterprise's income is stable and there are more fixed assets, the greater the chance of loan approval.
2. Corporate credit
For enterprises, corporate credit is the key factor, and banks will consider it from four aspects, namely: bank credit, commercial credit, financial credit and tax credit. If the enterprise's credit meets the requirements of the bank in all aspects and there is no credit stain, it is relatively easy to apply for a small business loan.
3. Type of enterprise
Banks will also take into account the business projects that enterprises are engaged in. If the business project is profitable or belongs to high-tech projects, it is relatively easy to apply for loans.
4, the comprehensive strength of business owners
Banks should consider the personal credit records, personal assets and other information of business owners, which is also a part of the factors affecting corporate loans.
The main reasons why it is difficult for small and micro enterprises to get loans.
Small and micro enterprises can't develop without loans, but we all know how difficult loans are. Let's sort out the main reasons why loans for small and micro enterprises are so difficult.
I. Insufficient guarantee
Insufficient guarantee is the first reason why it is difficult for small and micro enterprises to borrow money. At present, almost all types of loans for small and micro enterprises are mortgage loans, and the proportion of credit loans is extremely low. Credit loans are only applicable to a few personal loans, and it is difficult for small and micro enterprises to obtain bank loans if they cannot provide mortgage collateral. The main assets of collective land or leased factories and small and micro enterprises (such as machinery and equipment, ships and other means of transportation) are not easily accepted by banks as collateral. Banks lack the docking with the transaction realization platform, and small and micro enterprises lack effective collateral in the initial stage and growth stage.
Second, the solvency is not enough.
The industry in which small and micro enterprises are located and their own operating conditions are the most important factors for banks to decide to lend. According to a questionnaire survey conducted by a city investigation team of the National Bureau of Statistics, nearly 70% of small and micro enterprises think that their current operating conditions are poor or average, and no small and micro enterprises think that their operating conditions are good. In other words, the operating conditions of some small and micro enterprises determine that they do not have the solvency that can completely reassure banking institutions.
What are the reasons for the failure of enterprise loan application? Look carefully!
Small and medium-sized enterprises have always had the problem of difficult loans. There are many small and micro enterprises in China, and their scale is small, and their ability to resist market risks is weak, which will affect their performance. In addition to the general environment, there are also some reasons that will lead to the failure of enterprise loan application. Let's have a look.
First, bad credit.
Credit here refers to the tax credit, financial credit and personal credit of business owners.
1, corporate tax credit is the focus of banks and financial institutions, and loans may be refused in case of the following problems:
The enterprise's tax credit rating is D;
The enterprise has been established for less than one year and has no continuous tax payment record;
The enterprise fails to declare and pay within the time limit stipulated in the tax law, and the circumstances are serious or cause multiple overdue;
The enterprise has a record of serious tax violations.
2, the enterprise's financial credit, there are several situations that may lead to the enterprise being refused loans:
The enterprise has a serious loans overdue or bad record.
Enterprises, legal persons or major shareholders have loans, justice, etc. Or blacklisted.
The industry type in which the enterprise is located belongs to the ranks of overcapacity, high energy consumption and high pollution.
3. Personal credit of business owners includes credit information stains such as overdue credit cards of business owners and loans overdue, which will become obstacles to corporate loans.
Second, the debt ratio is too high.
Banks and financial institutions do not like enterprises with high comprehensive debt ratio and long-term loans. If the comprehensive debt ratio of enterprises is too high, financial institutions will worry that enterprises will be insolvent in the future. Generally speaking, it is dangerous to have an asset-liability ratio exceeding 70%.
Third, there are too many corporate connections.
If there is more than one holding company under the name of an enterprise legal person or shareholder, the other holding companies are still completely irrelevant to the company and are more likely to be rejected.
Reasons why import and export trading companies apply for loans
Reasons why import and export trading companies apply for loans
1. The reason for the loan must be legal and reasonable. The general reason is to buy a car, buy a house, decorate or purchase goods.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
3. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
How to write the reason for the loan?
Personal reasons for applying for bank loans must be legal and reasonable. You can fill in the reasons for applying for a loan according to your recent situation. The general reasons are buying a car, buying a house, decorating or purchasing goods. Banks will not be too demanding. Don't fill in the reason for repaying the debt. Banks can't judge the risk after borrowing and will refuse the loan application.
The loan reason must be filled in according to the most common. Don't make up some reasons. Banks take reasons as the judgment of application, so they must be standardized and reasonable.
Extended information:
Short-term loan classification description
1. Operating revolving loan: also called productive revolving loan or commodity revolving loan. Loans issued by enterprises to banks or other financial institutions because their working capital cannot meet the needs of normal production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After the approval of the bank, the borrower of the loan plan shall handle the loan according to the loan receipt.
2. Temporary loans: short-term loans allocated by enterprises due to seasonal and temporary objective reasons when the normal liquidity cannot meet the needs and exceeds the production turnover or commodity turnover. Temporary loans shall be subject to the method of "fixed loans by loans". Generally, the loan term is 3 to 6 years, which is used for specified purposes and returned according to the accounting period.
3. Settlement loan: when the sales payment is settled by collection and acceptance, the amount borrowed by the enterprise to meet the funds needed in transit after the goods are sent out and before the payment is received. If an enterprise collects loans from the bank within the specified time limit after delivery (usually 3 days, but not more than 7 days under special circumstances), it may apply for collection and acceptance to settle the loans. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of goods sold plus prepaid freight and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.
4. Discounted loan for bills: holders of bank acceptance bills or commercial acceptance bills may apply for floating discount loans when their business turnover is difficult, and the term generally does not exceed 3 months. If the current loan amount is generally the floating face value minus the discount interest, then the discount loan interest is the bill discount interest, and the bank will deduct it in advance when discounting.
5. Seller's credit: Enterprises whose products are included in the national plan and whose quality is in the leading position in the whole country apply for loans from banks because of the approval of installment sales and insufficient production and operation bonuses. Such loans should be repaid in installments according to the progress of payment recovery, and the term is generally 1 to 2 years.
6. Pre-deposit loan: the funds borrowed by commercial enterprises to issue pre-deposits to banks for purchasing agricultural and sideline products. Such loans are issued according to the varieties stipulated by the state and the approved plan standards, and special account management is implemented. The longest loan period is no more than one year.
7. Special reserve loan: the money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.
Loan reason
There are many reasons for the loan. Personal loan is to alleviate the difficulty of spending a lot of money in life, while enterprise loan is to let enterprises have more development opportunities and viability. Everyone has different starting points for loans, but people need to have a correct understanding of loans and clearly understand the advantages and disadvantages of loans.
Processing flow of bank loans
1. Preliminary screening of loan application customer information;
2. Investigate customer data and check the authenticity of the data;
3. Examine and approve the credit status of customers and decide the loan amount;
4, according to customer demand, give corresponding loans;
5. Pay a return visit to loan customers to check their repayment ability and credit behavior;
6. Collect the loan repaid by the customer according to the signed contract.
Matters needing attention in loan
1. Lenders should correctly understand their own economic strength and borrow funds within the repayment ability;
2. Choose a repayment method that suits your actual situation;
3. The lender shall repay the agreed loan on time and in quantity.