1. Why don't companies lend to each other?
According to the relevant laws and regulations, Paragraph 3 of Article 7 of the General Rules for Loans issued by the People's Bank of China stipulates that funds cannot be transferred between accounts of different legal entities without actual trade background.
Therefore, if enterprises need to borrow from each other before, they can entrust commercial banks to issue loans, pay handling fees and related taxes and fees, and earn interest income. The interest rate can be determined through consultation, but it cannot exceed the loan interest rate and floating interest rate for the same period.
Second, why should the company entrust loans?
The operating conditions of different small and medium-sized enterprises in China are different. Some enterprises often face the problems of capital shortage, such as poor management, insufficient liquidity and risks. In addition, some enterprises need funds to buy equipment and venues to expand production. In addition, some enterprises have abundant funds and no big plans in the short term, and those high-yield investment projects are too risky. It is best to choose the form of entrusted loan, which not only improves the utilization rate of funds, but also increases the income of the quota. This is the best way to kill two birds with one stone.
1, safe. As the third party of entrusted loans, banks will control them.
2. Deduction. For entrusted loans, tax returns can be made according to the actual interest rate of the loans, and the tax will be more favorable.
In fact, not only enterprises, but also banks can increase some income for themselves through matchmaking, which is also a better business.
Enterprise loan related products more Wechat business loans? 50,000 ~ 3 million yuan (RMB)
Large loans for enterprises, with a maximum amount of 3 million, adopt a revolving line, and the fastest loan is 1 minute. Click to view