The basic conditions for an enterprise to apply for a working capital loan are: normal production and operation activities meet the requirements of national laws, regulations and industrial policies; Having a sound organizational structure and financial management system; The credit rating is above Grade A, it has good economic benefits and credit records, and it can repay the loan principal and interest on schedule; Open basic deposit account or ordinary accounts in rural commercial banks and voluntarily accept credit supervision and settlement supervision; Unless otherwise stipulated by the State Council, the cumulative overseas equity investment in limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; An enterprise as a legal person applying for a company loan must comply with the articles of association of the company and have the authorization or resolution of the board of directors; Hold a loan card approved by the People's Bank of China and accept the annual inspection; It has legal capital, and the proportion of its own capital is not less than 30%; The asset-liability ratio is below 70% (including 70%); Other conditions stipulated by rural commercial banks.
An enterprise working capital loan shall provide the following basic information: business license of enterprise as a legal person, certificate of legal representative or power of attorney of legal person; Organization code certificate issued by the technical supervision department; A loan card issued by the People's Bank of China; Tax registration certificate; Articles of association of the enterprise or joint venture or cooperation contract or agreement approved by the department, and capital verification certificate; If the articles of association restrict the legal representative from handling loans and guarantees, it is necessary to provide the resolutions or authorizations approved by the board of directors (shareholders' meeting), the list of members of the board of directors (shareholders' meeting) and the legal representative and the signature samples; Financial statements of the last three years (including balance sheet, income statement and cash flow statement, which should be audited by accounting firms and other competent departments when necessary) and recent financial statements; Identification documents of the legal representative and the person in charge of finance;
According to business needs, the following information should be provided at the same time: purchase and sale contract; The ownership certificate of the mortgaged or pledged property and the commitment letter of the person who has the right to dispose of the mortgaged or pledged property; Valuation materials, insurance policies, etc. Mortgage and pledge; Enterprises with special industries need to provide special industry production and operation licenses issued by departments with approval authority; Other information.
Related questions and answers: What is the purpose of working capital loan? The purpose of working capital loans is generally limited to the expenses needed to maintain the company's daily business turnover. Working capital loans are highly liquid, and are mainly suitable for individual industrial and commercial households or corporate customers who have short-term and medium-term capital needs, such as purchasing raw materials, paying workers' wages, paying utilities, and paying rental fees for production and business premises. However, mechanical equipment depends on the specific situation, and not all mechanical equipment can be purchased with working capital. : First, the U-turn of funds is bridge funds. Bridge fund is a kind of short-term financing with a term of six months, and it is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds. Crossing the bridge is only a temporary state. Bridge funds and insurance loans fully reflect the leverage and guiding role of financial funds and become the most direct and effective measures for the government to serve small and medium-sized enterprises. Second, the bridge fund has the following characteristics: 1. The term is short, usually no more than six months. 2. High gold content: For the operation of funds, it is very important for users and plays a supporting and inciting role. 3. rate of return on capital Gao: Because of its importance, the return to the fund providers is quite high. 4. Risk is easy to control: because the bridge-crossing funds are not long-term occupation of funds, but temporary needs, they are often replaced by follow-up funds, so the risk is easy to control. Third, the bridge funds are fast and the interest rate is low. It only takes 2-3 days from the application of the enterprise to the receipt of the funds. "Hu Shugui, director of the Financing Guidance Division of the SME Development Bureau of the Municipal Economic and Trade Commission, told the reporter," This method has mobilized the enthusiasm of the government, enterprises and banks, fully improved the efficiency of the use of bridge funds, and amplified the fund effect to hundreds of times. It effectively helps the balanced distribution of production, supply and marketing funds of enterprises and maintains the normal production and operation of enterprises. At the same time, the process design of fund closed operation can also effectively avoid risks. We have really shaken the state-owned investment and financing institutions through limited financial funds, and benefited more small and medium-sized enterprises through the amplification of financial funds. "4. Interest is the use fee of money in a certain period of time, which refers to the remuneration that the money holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds.