Under the small business finance of CCB, there are four services: growth road, quick loan, micro-loan and credit loan. Small and micro enterprise applications under each service are different and need to be selected according to their own situation.
2. Micro-credit of Weizhong Bank
The microfinance service under its door is provided for small and medium-sized enterprises. Associated enterprises can borrow RMB 3 million per day without mortgage, with the longest repayment period of 36 installments.
3. China Merchants Bank Micro Lightning Loan
Small and micro lightning loan is a pure credit loan, which is exclusive to small and micro business owners. The maximum loan is 500,000 yuan. For details, please pay attention to WeChat official account "China Merchants Bank Personal Loan".
The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below 654.38+million yuan;
The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;
The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan; The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan;
The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan; The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.
As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.
Application conditions
1. conforms to the national industry and industrial policies, 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 passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the 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. Abide by the policy of establishing industry credit related to small enterprises;
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.