First, how long is the corporate credit overdue?
1. Under norma
First, how long is the corporate credit overdue?
1. Under normal circumstances, banks without grace period will report credit information the day after the enterprise is overdue; After the deadline, the credit report will inevitably leave a bad record. If it is a bank with a three-day grace period, it will not report the credit information until three days after the enterprise is overdue. The specific standards of each bank are different. If you want to know more details, you can consult the bank.
2. If the enterprise loan is not paid, actions will be taken against the enterprise and the guarantor:
(1) auction the property, and the proceeds will be used to realize its creditor's rights.
(2) If there is a guarantor, recover from the guarantor.
(3) Blacklist the company and report it to the credit information system of China People's Bank.
(4) After the judgment comes into effect, bring a lawsuit against the company and apply for compulsory execution of other properties of the company.
(5) Apply for subrogation of the company's creditor's rights.
Internal operation:
(1) Investigate the responsibilities of relevant responsible persons (including investigators, reviewers, approvers, etc.). ).
(2) Report to the superior bank, the head office, the banking regulatory bureau and the People's Bank of China in a timely manner when there are major irregularities in the loan operation.
(3) Write off, replace or package the auction creditor's rights.
Second, what should I do if the enterprise loan is not repaid?
1, take the initiative to negotiate with the bank:
Escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution.
2. Apply for temporary loans from microfinance companies:
At present, loan applicants will apply for loans from banks first, and microfinance companies have small customer groups and low quality. In order to expand their business, many small loan companies have launched temporary loan products.
For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months. But it can also solve the urgent need for enterprises that urgently need to repay bank loans.
Therefore, whether it is a personal loan or a corporate loan, if it is not repaid on time, it will affect the credit problem. If you don't want to be overdue, but you can't repay on time, you must find ways to communicate with the corresponding platform to minimize the chance of overdue. Otherwise, once it is overdue, it will affect the credit problem, and it will not be recovered in a day or two.