(1) To apply for a small and micro enterprise loan from ICBC in the name of the company, the basic conditions of the lender are:
1, which meets the basic conditions for ICBC to handle loans;
2. The credit rating of the lender is above Grade A;
3. Approved and registered by the industrial and commercial department, holding a loan card issued by the People's Bank of China (China logo code);
4. Open a basic account or general settlement account in China Industrial and Commercial Bank;
5. Other requirements of ICBC: tax payment certificate, enterprise running water, contract orders, water and electricity invoices, etc.
(2) Apply to ICBC for a small and micro enterprise loan in the name of an individual. The basic conditions of the lender are:
1. A natural person with full capacity for civil conduct, aged between 18 and 60, and having two or more * * * borrowers at the same lender, must meet the above age conditions. Except the spouse, the same lender must be the investor or shareholder of the same business entity or project;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;
3. The lender has legal business qualifications, and can provide business licenses, business licenses, merchant business licenses, booth licenses or other legal and effective business qualifications for individual industrial and commercial households, partnerships and enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good repayment record and willingness to repay, and the lender and its business entities have no bad credit records in the Bank and other known financial institutions;
6. The credit rating in our bank is above Grade C (inclusive);
7. Other conditions required by China Industrial and Commercial Bank.
Two. Introduction of ICBC's loan process for small and micro enterprises;
1, submit the application materials.
Lenders apply for loans from ICBC, mainly submitting the materials needed for loans.
Step 2 sign a contract
If it is considered feasible after the approval of ICBC, the lender shall sign a loan contract, a guarantee contract and other legal documents with ICBC.
3. Implement safeguards
If a guarantee is required, after signing a loan contract with ICBC, the lender shall further implement the third-party guarantee, mortgage, pledge and other guarantee measures, go through the formalities of guarantee registration, notarization or mortgage insurance, and deposit the pledge with ICBC.
4. Loan acquisition
When the lender completes the relevant procedures before issuing the loan and the loan contract comes into effect, ICBC can issue the loan to the lender, and the lender can use the loan according to the purpose agreed in the contract.
5. Repayment
The loan enterprise repays the loan in the way agreed in the contract.
3. What are the loan application materials for small and micro enterprises of ICBC?
1, business license, organization code certificate, tax registration certificate, or business license (such as three certificates in one), and the latest annual inspection certificate is required;
2. Identification certificate of the legal representative;
3, approved by the finance department or accounting (auditing) firm for the first three years and the latest financial statements and audit reports (if the enterprise has been established for less than three years, provide the annual and recent statements since its establishment);
4. Company contract or articles of association;
5 members of the board of directors (shareholders' meeting), the main person in charge, the financial person in charge of the list and signature samples;
6. If an authorized customer is entrusted to handle the credit business, the power of attorney of the legal representative of the enterprise (original) shall be provided;
7. If the lender is a limited liability company, a joint stock limited company, a joint venture company or a contracting enterprise, it is required to provide a resolution, document or document with the same legal effect that the board of directors (shareholders' meeting) or the employer agrees to apply for credit business;
8. Relevant materials of the guarantor;
9. Other information required by China Industrial and Commercial Bank. (If you have any loan needs, please contact us through the lower right corner, and we will provide you with a bank loan suitable for your own loan scheme. )
Legal basis:
Article 11 of the General Principles of Loans in People's Republic of China (PRC): The term of the loan shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract.
Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.