Lending refers to borrowing the new and returning the old. It refers to applying to the lending institution before the loan expires, and applying for a new loan to repay the old loan with the consent of the lending institution. According to the relevant policies and regulations on poverty alleviation discount loans, poverty alleviation discount loans are special loans and cannot be lent. However, if the borrower still meets the bank loan requirements after paying off the poverty alleviation discount loan, he may apply for the poverty alleviation discount loan again.
Can't transfer bank loans to collect high interest rates. According to the law, if the bank funds are lent to others at high interest rate, the private lending contract between the two parties is invalid. In other words, high-interest lending, not only interest is not protected by law, but also may be suspected of committing a crime, typically losing his wife and soldiers.
When the loan is about to expire, many private enterprises cannot raise their own funds to repay the loan in time because the payment period does not match the loan period, so they have to renew the loan through private lending or even usury. This kind of financing behavior increases the living space of usury, forms a squeezing effect on formal finance and greatly increases the financing cost of private enterprises. What's more, once the loan renewal is unsuccessful, enterprises are prone to break the capital chain and get into trouble.
With loan resources, it is risky to help other enterprises borrow money to "cross the bridge";
If Company A can borrow money from the bank, but Company A doesn't need money; It happened that company B needed money and couldn't get a loan, so it hit it off: loan in the name of company A, and then lend it to company B, or company A and company B signed a false contract, and then company A paid the loan to company B. Finally, if company A made a profit by lending, even if company A repaid the bank loan, it might constitute a crime of high-interest lending, because banks could not let "middlemen earn the difference".