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China Industrial and Commercial Bank does not apply for corporate credit rating, but only for loan credit certificates issued by banks. If you want to apply for enterprise credit rating certificate and enterprise credit report, you should find a professional third-party credit rating agency. It is worth noting that at present, the construction of the national credit system explicitly prohibits government departments and subordinate institutions from rating. All third-party credit rating agencies need to be registered in the local industrial and commercial bureau, have the qualification certificate issued by the National Development and Reform Commission, and have a record certificate in the local government, in order to be considered as formal credit rating agencies.
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Second, how to calculate the credit line of the bank for SME loans?
Judging by seniority ~! The enterprise has been established for at least three years; Invoice amount in the past six months; The enterprise is in good financial condition. This enterprise generally refers to small and medium-sized enterprises. Jidi Branch applied for a loan card. (If you can't meet the requirements) If you have a real estate or factory, you can use the factory or real estate as collateral to get a loan, and attach a detailed personal income certificate, and the proportion of the loan will increase. The step/process/procedure of loan is that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank makes a preliminary application for the loan application of the loan applicant. After contact, if the required materials are provided initially, the loan will be approved.
3. What is ICBC's threshold for commercial loans?
The conditions for ICBC to operate loans mainly include:
1. The borrower is legally established;
2. Conforming to the national industrial policy and the Bank's credit policy;
3. Steady operation and good financial position;
4. The credit status is good, and there is no major bad credit record.
It should be noted that if it is a revolving loan for small enterprises, it needs to be continuously operated 1 year. If it is a micro-credit loan for small and micro enterprises, it will take no less than 3 months to open a settlement account in ICBC, and the business will continue to operate for 2 years to maintain profitability. Business owners will continue to operate in this industry for 3 years. If it is a small business loan, it needs to continue to operate for two years, and core operating data for more than two years (inclusive) are available.
4. How long can ICBC's corporate loans last?
The corporate loan of ICBC is about one to five years.