1. The borrower is over 18 years old and is a legal citizen of our country.
2. Have a fixed address in the local area.
3. Have a stable and legal income and be able to repay the loan principal and interest on time.
4. Personal credit record is good.
5. If you apply for mortgage loan, you need to provide collateral approved by the bank.
6. Other conditions required by Lanzhou Bank.
1On June 29th, 1997, with the approval of the People's Bank of China, on the basis of the original 56 urban credit cooperatives in Lanzhou, Lanzhou Urban Cooperative Bank was established with the joint-stock reform and asset reorganization, which was jointly funded by local finance, enterprise legal persons and natural persons. This is the first local legal person joint-stock commercial bank in Gansu Province. 1998 changed its name to Lanzhou Commercial Bank on May/0/8, and changed its name to Lanzhou Bank on June/0/8, 2008. By the end of June 20021year, the total assets were 396.269 billion yuan. It has the head office 1 business department, 15 branch, 165 branch and 1 holding financial leasing company.
Joint-stock commercial banks are a type of commercial banks. There are 12 national joint-stock commercial banks in China: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and Bohai Bank.
Joint-stock commercial banks have become a dynamic new force in China's commercial banking system and an indispensable part of the development of banking industry and even the national economy.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
According to different classification standards, there are many types of bank loans. For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Compared with other financing methods, bank loans have the following main disadvantages:
First, the conditions are harsh, there are too many restrictive clauses, the procedures are too complicated, time-consuming and laborious, and sometimes it may not be possible to run for a year;
Second, the loan period is relatively short, and long-term investment can rarely be loaned;
Third, the loan amount is relatively small, and it is difficult to solve all the funds needed for enterprise development through banks. Especially in the start-up and start-up period, it is difficult for enterprises to obtain bank loans because of the high loan risk.