It is an enterprise-based loan. For enterprise loans, you need to open an enterprise account to handle enterprise loans. Enterprise account, that is, enterprise bank settlement account, is an account for settlement business for enterprise legal persons, non-enterprise legal persons and individual industrial and commercial households, which can effectively guarantee the safety of funds. Company accounts are divided into basic account, general accounts, temporary accounts and special accounts. A unit can only open one basic account.
Second, why do you want to open legal person accounts in two banks for loans?
Because you have to open a company account.
To handle enterprise loans, it is necessary to open enterprise loans. Because the loan needs to be placed in the corporate account.
Loans are generally divided into the following steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) Lending banks or companies need to investigate the operating conditions of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
Three, the enterprise in the bank loan, why the bank to open a separate account in the name of our company? ...
That's a loan account for internal accounting of banks, and it won't be provided to enterprises. The loan is credited to the loan account first, and then transferred to the enterprise deposit account.
4. Opening a company-to-company account in industry and commerce, and the bank said it would take photos in the company? Do you need to go to the company to investigate? So what's the point?
When opening an enterprise account, the bank will check the site at home. The significance lies in verifying whether the company really exists, its scale and personnel composition, and the overall evaluation of its organizational structure. This can prevent some companies from opening empty accounts. When opening a basic deposit account, the bank must have two account managers to verify the authenticity and take photos to prevent false account opening and money laundering. The account opening unit must provide the original copy of the business license, the original legal person and accounting identity card, the official seal of the enterprise, the financial seal and the legal person seal before opening an account.