1. Enterprises applying for interest-free loans are all regular enterprises, specifically those that have been approved and registered by the administrative department for industry and commerce and passed the annual inspection. 2, the enterprise has a sound management system and administrative system, the enterprise financial management organization is orderly, the internal structure of the enterprise is clear, and each post is fully equipped. 3. The enterprise is in good operating condition, has sufficient repayment ability, and its own debt does not exceed the standard. At the same time, corporate reputation is also very important, so as to ensure timely repayment. 4. Enterprises have certain competitiveness in the market. No matter brand, reputation or technology, they all have certain core competitive advantages, which can drive economic development and create economic and social benefits.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when issuing loans: (1) The capital adequacy ratio shall not be less than 8%; (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%. (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%. (4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio. If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.
What are the conditions for interest-free loans for SMEs?
The conditions for SMEs to apply for interest-free loans are as follows:
1, which must be approved by the administrative department for industry and commerce and passed the annual inspection;
2, perfect management and administrative system, fully staffed;
3. The enterprise has a good reputation and sufficient repayment ability;
4, competitive and can create economic and social benefits.
Interest-free loan conditions for small and micro enterprises
Interest-free loans for small enterprises need to meet the following conditions: the applicant is between 24 and 65 years old, and the applicant must be the legal representative of the enterprise; The enterprise has been established for more than 6 months and can provide a business license; Both legal persons and enterprises have good credit information and no bad credit records; The industry that the enterprise is engaged in meets the requirements; The operation of the enterprise is in good condition.
National support for small and micro interest-free loans is the main content of the State Council's Opinions on Supporting the Healthy Development of Small and Micro Enterprises;
financial support
First, the central government will expand the scale of special funds for small and medium-sized enterprises from 654.38+0.287 billion yuan to 654.38+0.4./kloc-0.7 billion yuan, and will increase the total scale of funds year by year;
Second, the central government arranged 654.38+0.5 billion yuan to set up a national SME development fund, which is mainly used to guide local and venture capital institutions and other social funds to support small and micro enterprises in the initial stage.
Financing guarantee service
First, guarantee institutions that mainly provide loan guarantees for small and medium-sized enterprises and whose annual new guarantee business amount reaches more than three times their net assets can continue to enjoy the preferential policy of exemption from business tax for three years;
Second, through the risk subsidies and premium subsidies of central financial funds, guarantee institutions are encouraged to increase the scale of small and micro enterprise guarantee business and reduce the guarantee fees of small and micro enterprises;
The third is to promote the development of re-guarantee institutions and strengthen their functions of diversifying risks and increasing credit.
Conditions for bank interest-free loans:
1, age 18 to 45 years old, China citizen with full capacity for civil conduct;
2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
6, good reputation, no bad records;
7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.
What are the conditions for small and micro enterprise loans?
I. Conditions:
1, with abundant cash flow.
2. Small and micro business owners have good credit.
This enterprise has been very successful for more than two years.
4. Be able to provide effective financial proof.
5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.
6. Other conditions required by the bank.
Two, according to the loan period: short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Extended data:
Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.
First, the process of small and micro enterprises applying for credit loans:
1. application
① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)
(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).
③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.
(4) Mortgage situation, other relevant legal documents and letters, etc.
Step 2 review
(1) project
② Credit evaluation
③ Feasibility analysis
④ Comprehensive judgment
⑤ Pre-loan review
3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.
4. Lending
After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.