There are three ways:
1, check the financial statements of the enterprise, and remember the assets and liabilities clearly.
2. An enterprise as a legal person carries his/her ID card and business license to the outlets of the People's Bank of China, and finds the relevant staff of the Credit Information System Center for inquiry. After the results come out, the loan situation of the enterprise will be presented in paper form.
3. Log in to official website "National Enterprise Credit Information Publicity System" and enter the enterprise name or unified social credit code or registration number for inquiry. Operating environment: browser computer: macbookpromos 14 opens google version 92.0.4515.131national enterprise credit information publicity system official website.
Extended data:
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
Enterprise loan application conditions:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
How to check whether the company has a loan?
Go to the People's Bank to check the credit report, and it will be shown in detail.
First, in terms of loan types, it is generally appropriate to gradually upgrade from small to large. You can apply for a working capital loan from the bank through effective procedures such as pledge, mortgage or third-party guarantee, and then apply for a project loan after you have certain strength.
Second, in terms of loan amount, since the general economy of individual operators is not very rich, they should do what they can to avoid large investment.
Thirdly, in terms of loan interest rate, according to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives can raise the loan interest rate of individual operators within 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, you can' shop around' and try to choose financial institutions with small floating interest rates to lend.
4. In terms of loan term, the current short-term loans are divided into two interest rate classes: within 6 months (including 6 months) and 6~ 12 months (including 1 year). For short-term loans with a term of less than 1 year, the contract interest rate shall be implemented, and interest shall not be calculated in installments; Medium and long-term loans are divided into three grades: 1~3 years, 3~5 years and more than 5 years. Interest is calculated in stages for medium and long-term loans. When the loan interest rate is adjusted, 1 in the next year will implement the new interest rate of the same loan in the same period.
How to check whether the company has a credit card?
Generally speaking, enterprise loan cards can only be inquired through the People's Bank of China. The specific method is as follows: (1) the company fills in the application form for enterprise loan card inquiry; Prepare a letter of introduction from the unit, a valid loan card and an ID card of the manager; , by the agent to the local branch of the people's Bank of China. The local branch of the People's Bank of China will make an inquiry on the spot after receiving the inquiry. The loan card refers to the magnetic stripe card issued by the branch of the People's Bank of China to the borrower or guarantor for the enterprise credit information system, and it is the qualification certificate for the borrower to apply for credit business or the guarantor to provide guarantee.
So much for the introduction on how to check whether the company lends money.