Of course, loans are good and business is good. The bank is eager for you to borrow money.
No matter how many bank loans an enterprise applies for, the qualification of the enterprise is ultimately a problem. As long as the enterprise has strong repayment ability and good management, banks are eager for your loan! For example, you are rich and have good credit. If you borrow money from others, you will certainly lend it to you. Not to mention the bank. After all, borrowing is profitable. Like big companies now, it's normal for banks above 10 to grant credit! Advantages of lending to banks: low loan cost. Compared with the loan platform, the bank's corporate loan is the lowest cost way. Because the bank's loan interest rate is low, there is no need to charge other intermediary fees or handling fees, which can save a lot of expenses for enterprises.
Is White Bear Commercial Loan Reliable and Safe?
Not very reliable. Loans belong to the network, with high interest and low security. The loan should be handled in the bank. If you need a loan, you can go to the bank and contact the bank staff directly. As long as you have good credit information, you can apply for a loan. Bai Rong Group was established in 1990 and headquartered in Dalian, Liaoning Province. It is a comprehensive cross-industry enterprise group integrating film and television, real estate, finance and trade.
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1. What is a direct loan?
Direct loans refer to loans independently issued with raised funds. Refers to the loan independently issued by the funds raised by the lender in a legal way, with the risks borne by the lender and the principal and interest recovered by the lender. Under normal circumstances, the longest term of direct loans shall not exceed 65,438+00 years, and the excess shall be reported to the People's Bank of China for the record.
Simply put, a loan is a loan that one party lends to another party and entrusts a third party (commercial bank) to manage it. Commercial banks do not bear the risk of loan losses, but are only responsible for issuing, supervising the use and assisting in the recovery of loans on their behalf according to the objects or investments designated by the clients, the prescribed purposes and scope, and the set conditions (amount, term, interest rate, etc.). Entrusted loans are used as a way to circumvent the inter-company lending ban.
2. What's the difference between financial loans and bank loans?
① Different lending institutions. Financial loans are issued by financial institutions and bank loans are issued by banks. However, after the financial loan is maliciously overdue, it is not necessarily on personal credit, but bank loans will be on personal credit.
② The loan interest rate is different. The interest rate of bank loans is much lower than that of finance companies. Platform companies have a variety of loan users, and some of them have poor credit status, so financial institutions will charge higher loan interest rates, and in order to better control credit risks.
③ The lending speed is different. The biggest difference between financial loans and bank loans is the speed of lending. It takes a long time for banks to apply for loans. Compared with financial loans, the loan process is much simpler and the lending speed is much faster than that of banks.
④ The loan threshold is different. On the whole, the threshold of financial loans is much lower than that of bank loans. For example, some financial institutions do not need to look at personal credit records for loans, while bank loans need to look at credit records.
3. What should loans overdue do if he has no money for a long time?
Various loans overdue time is long, but users have no money to repay, which can be solved by the following methods: first, choose overdue loans from credit information, and first borrow money from relatives and friends to pay off overdue loans in credit information; Loans that have not received credit information can choose to negotiate with lending institutions, and users can repay these loans in installments after reducing some interest and overdue fees.
Is it easy for Shanghai companies to borrow money?
Nice loan. Shanghai companies are good at lending and developing well. Shanghai Company was incorporated on April 20th, 2000 with a registered capital of 654.38+0.056 billion yuan. Good environment, independent office, air conditioning and other infrastructure, colleagues and leaders in harmony.
How do trading companies get loans?
Application conditions
1, which conforms to the national industry and industrial policy 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 passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, 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, in line with the establishment of small business related industry credit policy;
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.
Extended data:
Application material
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
According to the Interim Provisions on the Administration of Loan Companies:
Article 22
Loan companies must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.
Article 23
Loan companies should adhere to the principle of small amount and dispersion in issuing loans, improve the coverage of loans and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital.
Article 24
Loan companies should strengthen loan risk management, establish scientific authorization credit system, credit management process and internal control system, enhance risk identification and management capabilities, and improve loan quality.
Article 25
The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% and the asset loss reserve adequacy ratio is not less than 100% at any time.
Article 26
The loan company shall establish and improve the internal audit system, check and evaluate the implementation of internal control, correct and improve the weak links of internal control, and ensure compliance with the law.
Article 27
The loan company implements the unified national financial accounting system for financial enterprises, and establishes and improves the financial accounting system of the loan company in accordance with the relevant provisions of the state.
Article 28
The loan company shall truly record and comprehensively reflect its business activities and financial status, and prepare the annual financial and accounting report. The investor shall employ a qualified accounting firm to conduct the audit. The audit report shall be submitted to the Banking Regulatory Bureau or the local city banking regulatory bureau for the record.
Article 29
The loan company shall submit accounting statements, statistical statements and other materials to the banking regulatory branch or the local city banking regulatory bureau, and be responsible for the authenticity, accuracy and completeness of the statements and materials.