Banks can only lend to individuals, with different meanings and the same essence.
2. Can the company borrow money from corporate shareholders?
1. The legal basis is the contract law, and private lending is protected by law (provided that it complies with the law).
It is legal for a limited company to borrow money from the shareholders of the company. According to Article 1 of the Supreme People's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the term "private lending" as mentioned in these Provisions refers to the financing behavior between natural persons, legal persons and other organizations. These Provisions shall not apply to financial institutions and their branches established with the approval of the financial supervision department and engaged in loan business, which are triggered by the issuance of loans and other related financial businesses.
3. Can an investment company issue loans?
We can often see the news that some investment companies lend money privately. It seems that lending by investment consulting companies has become a hidden rule in the industry. Is that really the case? Can an investment company issue loans? Come and explore with us. 1. Can an investment company issue loans? The business scope of an investment consulting company registered in the Industrial and Commercial Bureau is investment consulting and economic information consulting. , and does not include foreign lending business. Unless approved by the Financial Office, it is illegal. However, many investment consulting companies operate in this way, and the supervision is not strict. 2. Is the investment company loan legal? Formal investment consulting companies provide loan intermediary services, providing a communication platform for investors and borrowers. After the two sides reach an agreement, they charge intermediary service fees and do not lend themselves. If you lend directly to the unstable and scattered public, it may be suspected of illegal business.
4. Can an investment company provide loans to the private sector?
As long as it does not exceed 4 times the interest of bank loans in the same period, it is legal, and the excess is illegal. Specific interest standards should refer to the current interest standards of banks.