Qualifications that a loan enterprise must possess:
Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's asset-liability ratio meets the loan requirements;
The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the capital ratio of investment projects stipulated by the state.
1. An enterprise shall be established with the approval of the State Administration for Industry and Commerce, registered and hold a business license.
2. The right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.
3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds.
4. Comply with policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.
5. The production and operation are favorable. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds.
6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.
2. What are the procedures for the company to repay bank loans?
At that time, the company can directly remit this person's account through the company's bank account.
Procedure: 1. Bring the loan contract you signed at that time (if not, please make up a copy). The loan time, loan amount and repayment time shall be stated in the contract in duplicate, and the official seal and personal signature of the company shall be affixed. 2. Copy or original (if not, you can use the company account when you receive the money and then get it to the bank where the company account is located at that time. You can write a transfer check or a cash check. The most important thing is to have the above two things.
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. 6. Conditions for investors to set up loan companies (1) Investors are domestic commercial banks or rural cooperative banks; (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. Main regulatory indicators (1) Loan companies should adhere to the principle of small-scale dispersion in granting 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%