According to what you said, it should be a project loan: 1), which has all the conditions for a working capital loan;
2), the project approval procedures and related license procedures have been completed, with an approved project proposal and feasibility study report;
3) The source of funds for self-raised projects is sufficient and legal, generally not less than 30%;
4), the project investment should comply with the national industrial policy and environmental protection requirements;
5) According to our assessment, the project construction is technically, economically and financially feasible;
3. Loan procedures:
1), loan application: the borrower submits a written loan application report to our bank, and submits relevant project information and borrower information required by our bank.
2) Loan investigation: After accepting the borrower's application, the Bank conducts a comprehensive investigation on the borrower's qualification, legality, safety, profitability, credit status, loan purpose, repayment ability and repayment method, and verifies the relevant information of the collateral and guarantor. We investigate, review and evaluate borrowers and investment projects.
3) Loan approval and issuance: After the loan is approved according to our regulations, notify the borrower to sign and improve the relevant contract, go through the formalities of mortgage (pledge) registration, and submit the approved loan voucher to the accounting department for entry.
2. What statements do enterprises need to provide when applying for bank loans?
According to what you said, it should be a project loan: 1), which has all the conditions for a working capital loan; 2), the project approval procedures and related license procedures have been completed, with an approved project proposal and feasibility study report; 3) The source of funds for self-raised projects is sufficient and legal, generally not less than 30%; 4), the project investment should comply with the national industrial policy and environmental protection requirements; 5) According to our assessment, the project construction is technically, economically and financially feasible; 3. Loan procedures: 1). Loan application: the borrower submits a written loan application report to our bank, and submits relevant project information and borrower information required by our bank. 2) Loan investigation: After accepting the borrower's application, the Bank conducts a comprehensive investigation on the borrower's qualification, legality, safety, profitability, credit status, loan purpose, repayment ability and repayment method, and verifies the relevant information of the collateral and guarantor. We investigate, review and evaluate borrowers and investment projects. 3) Loan approval and issuance: After the loan is approved according to our regulations, notify the borrower to sign and improve the relevant contract, go through the formalities of mortgage (pledge) registration, and submit the approved loan voucher to the accounting department for entry.
3. Are there any requirements for the financial statements provided by the company's bank loans?
Financial statements to be submitted for general bank loans: balance sheets of the previous three years; The income statement of the first three years; Cash flow statement for the first three years; It is also necessary to provide the balance sheet and income statement of the enterprise in the latest month; Audit reports of enterprises in recent years. ; In addition to the above financial statements, it is also required to provide: business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card; Annual reports for the last three years, financial statements for the last three months and company notes for the last six months; Lease contract of business premises, proof of rent payment for the last three months, and water and electricity bills; Various tax forms and purchase and sale contracts signed in the last six months (if any); Proof of assets under the name of the enterprise.
4. What information does the company need to apply for a bank loan?
Whether it is a company's bank loan or an individual's loan to a bank, information needs to be submitted. After the loan information is approved, the bank will give the company a loan, but the information submitted by individuals and companies is different because of their different nature. Let's take a look at the information submitted by the company with me.
What information does the company need to borrow from the bank? 1. Business license (original and copy) 2. Tax registration certificate (original and copy) 3. Organization code certificate (original and copy) 4. 5 copies of capital verification report (printed by the Industrial and Commercial Bureau). Articles of Association (printed by the Trade and Industry Bureau) 6. Bank account opening permit. Bank loan card and password (printed on the front and back of the loan card) 8. Special industry operation. Proof of marital status (ID card of the actual controller of the enterprise, relevant proof of the current residence of the legal representative or actual controller of the enterprise) X. Resume of the legal representative of the company and its shareholders 1, loan application form 2, loan card and copy. The loan certificate refers to the enterprise loan certificate that has passed the annual examination by the statutory issuing authority. 3. Loan application report The loan application report contains the following contents: basic information of the enterprise, including registered capital, enterprise nature, affiliation, office location, contact number, contact person, main business and enterprise introduction. The general situation of the enterprise as a legal person, including name, gender, education level, professional title, previous occupation and position, performance, etc. Write down the loan amount, purpose, term, repayment method and guarantee form in detail, and attach the project feasibility report, purchase and sale contract, etc. ; The financial status of the enterprise, including monetary funds, inventory, total liabilities, total owners' equity, total assets, current net profit and total accumulated profits in the latest year. 4. Financial statements Financial statements include two aspects: the balance sheet, the income statement and the statement of changes in financial status of the previous year; Balance sheet and income statement for the current period. 5. Information about legal person and enterprise The enterprise information includes: (1) copy and photocopy of business license, organization code certificate and photocopy, tax registration certificate and photocopy. (2) A copy of the credit report of the enterprise credit information system and the personal credit information system of the legal representative and the credit rating certificate within the validity period. (3) capital verification report and articles of association. In addition, legal person identity certificate and copy are required. If it is signed by another person on behalf of the legal person, it is also necessary to provide a copy of my ID card and a power of attorney of the legal person (the power of attorney needs to be signed by the legal person and stamped with the official seal). 6. Materials to be submitted for loan guarantee If the company cooperates with the guarantee company, the guarantee company shall provide a copy and photocopy of the business license, organization code certificate and photocopy, tax registration certificate and photocopy. In addition to the certificate, it is also required to provide the financial statements of the guarantee unit, including the balance sheet, income statement and statement of changes in financial status of the previous year, and the balance sheet and income statement of the current period; The certificate that the guarantee unit agrees to the guarantee shall be stamped with the official seal. 7. Materials to be submitted for mortgage and pledge of secured loans The following materials shall be submitted for mortgage and pledge of secured loans: detailed catalogue of mortgage and pledge and proof of property right or ownership; Proof of the value of collateral and chattel pledge; An assessment report on collateral and chattel pledge issued by an intermediary agency designated by the bank; Evaluation of pledge of rights; Certification documents and certificates registered by the registration authority. The above is the legal knowledge for everyone. If you cooperate with a guarantee company, you need to provide a copy of your business license, a copy of your organization code certificate and a copy of your tax registration certificate. In addition to the certificate, it is also required to provide the financial statements of the guarantee unit, including the balance sheet, income statement and statement of changes in financial status of the previous year, and the balance sheet and income statement of the current period; The certificate that the guarantee unit agrees to the guarantee shall be stamped with the official seal.