Small and micro enterprises interest-free loan application process:
1, apply;
2. Conduct approval-project establishment-credit evaluation-feasibility analysis-comprehensive judgment-pre-lending review;
3. After reviewing the loan application, the bank considers that all the loans meet the requirements and agrees to the loan, and shall sign a loan contract with the lender;
4. After the loan issuance contract is signed, both parties shall verify the loan according to the contract.
Information prepared for the application:
1, enterprise's own business scale, financial payment analysis and trend forecast;
2. Cooperation needs, plans and suggestions;
3, product situation, market situation, enterprise development scale, the level of the same industry;
4. Enterprise loan card (copy);
5. Business license of enterprise as a legal person (annual inspection), qualification certificate of enterprise as a legal person, organization code certificate of enterprise, tax registration certificate, account opening license of basic bank, legal person ID card (all of the above are originals) and legal person resume;
6. Commercial bank business cooperation and enterprise internal financing:
7, the enterprise's financial audit report for three consecutive years, the latest financial statements (must be stamped with the official financial seal);
8. Articles of association, signatures of legal persons and authorized persons and power of attorney;
9. Basic information such as company profile and relevant background information;
10, Articles of Association, list of board members.
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.
The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to the loan issued only by the borrower's reputation; Secured loans refer to secured loans, mortgage loans and mortgage loans; Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form. At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.
Two, small and micro enterprises three years interest-free loans
The three-year interest-free loan for small and micro enterprises means that the borrower applies for a loan from the bank with the property legally owned by himself or a third party recognized by the bank as collateral, and can provide the corresponding repayment voucher for purchasing large consumer goods, which has met the needs of the borrower. The advantages of this kind of loan are: high loan amount, long loan life and flexible prepayment.
Legal basis: Article 10 of the Measures for the Administration of Enterprise Loans, micro-enterprise customers meet the following basic conditions:
(1) Having a fixed business place, obtaining a legal business license and relevant materials, and the projects initiated have passed the examination of relevant government departments and are listed as "supporting micro-enterprises";
(2) The legal representative holds a valid identity certificate or a valid power of attorney;
(3) It is registered and operated within the jurisdiction of the lender, and the business projects it is engaged in must comply with the relevant laws, regulations and policies of the state, with sustainability, good expected income and repayment ability;
(4) The credit records of the enterprise and its investors are good, and there is no record of malicious evasion of debts or malicious overdraft of credit cards, and there is no bad record of black gambling and drug-related;
(5) Other materials required by the lender.
Interim Measures for the Administration of Loans to Micro-enterprises Article 11 The legal representative (partner) or client of micro-enterprises shall meet the following basic requirements:
(1) The borrower is at least 18 years old, holds valid identity documents and has full capacity for civil conduct;
(2) Having a fixed business place, obtaining a legal business license and relevant materials, and the projects founded have passed the examination of relevant government departments and are listed as the legal representatives or partners of "supporting micro-enterprises";
(3) The purpose of the loan is legal and compliant, and it is used for the production and operation of micro enterprises;
(4) The borrower's credit record is good, and there is no malicious evasion of all kinds of bank debt records and credit card malicious overdraft records, and there is no bad record involving black gambling and drugs;
(5) Other materials required by the lender.
Three-year interest-free loan for small and micro enterprises
The three-year interest-free loan for small and micro enterprises means that the borrower applies for a loan from the bank with the real estate recognized by the bank as collateral, and can provide the corresponding repayment certificate to meet the needs of the large crowd. The advantages of this kind of loan are: high loan amount, long loan life and flexible prepayment.
Legal basis: Article 1 of the Measures for the Administration of Enterprise Loans:
(1) Having a fixed business place, obtaining a legal business license and relevant materials, and the projects founded have passed the examination of relevant government departments and are classified as "supporting micro-enterprises"
(2) The legal representative holds a valid identity certificate or a valid power of attorney;
(three) within the above scope, the business projects engaged in must comply with the relevant laws and regulations of the state and the requirements of sustainable development, have good expected returns, and have the ability to repay loans;
(4) The credit record of the enterprise and its investors is good, and there is no record of malicious evasion of debts or malicious overdraft of credit cards, and the record is good;
(5) Other materials required by the lender.
Article 11 The legal representative (partner) client of a micro-enterprise shall meet the following basic conditions:
(1) Borrowing money, holding valid identity documents and having full capacity for civil conduct;
(two) there are fixed and relevant information, and the projects founded by the relevant government departments are listed as "support" after audit;
(3) The purpose of the loan is legal and compliant, and it is used for micro-enterprise students.
(4) The borrower's credit record is good, and there is no malicious evasion of all kinds of bank debt records and credit card malicious overdraft records, and there is no bad record involving black gambling and drugs.
(5) Other materials required by the lender.