Small and micro enterprises are collectively referred to as small enterprises, micro enterprises and individual industrial and commercial households.
Its definition standard is: it belongs to unrestricted and prohibited industries nationwide, and it has annual tax payment conditions. And meet the following three conditions:
1, the taxable income of the enterprise is less than 3 million;
2. The number of employees in the enterprise is less than 300;
The total assets are below 50 million now.
At present, there are many platforms to provide revolving loan services for small and micro enterprises, such as Xiaoman Finance, which will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and most small and micro owners choose to spend money to meet the turnover needs of small and micro enterprises. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Xiaoman Finance, together with dozens of financial partners, has issued hundreds of billions of loans to small and micro business owners, allowing them to find Xiaoman Finance and make big brands feel more at ease.
What are the main loan conditions for small and micro enterprises?
1. What are the main loan conditions for small and micro enterprises? Conditions for small and micro enterprises to apply for credit loans: 1, with sufficient cash flow; 2. Small and micro business owners have good credit; 3. The enterprise has been successful for more than two years; 4. Can provide effective financial proof; 5. Small and micro enterprise owners have strong repayment willingness and the ability to repay in full and on time; 6. Established a stable cooperative relationship with banks; 7. Other conditions required by the bank. Second, the main difficulties faced by small and micro enterprises in financing at present: due to the low qualification of small and micro enterprises and the lack of mortgage guarantee, financing difficulties and high financing are the same problems faced by the development of small and micro enterprises all over the world. The bottlenecks and difficulties encountered by small and micro enterprises in financing are mainly reflected in: 1, the financing channels are very limited, the financing conditions of small and medium-sized credit institutions in banks are complicated, the procedures are cumbersome, the cycle is long, the financial supply services can not keep up, and the proportion of industrial enterprises obtaining credit qualifications. At present, listing and equity financing can only serve minority enterprises. The trading of the New Third Board and the Stock Exchange Center is not active, and the function of revitalizing assets and discovering value has not been realized. The comprehensive tax burden of New Third Board enterprises is as high as 138%. SME bills, private debt and debt financing costs are high, and the risk of default is high, and the scale of SME guarantee business is shrinking; Our company and P2P peer-to-peer lending platform serve Xiao Wei Lending Ability Co., Ltd. 2. The financing cost of micro-enterprises is relatively high. In addition to the high loan interest rate, effective collateral, guarantee fees, consulting fees, evaluation fees, loan renewal fees and other fees have also pushed up the financing costs of enterprises. Enterprises can only get loans of 30-80% of the assessed value from banks, some of which are issued in the form of acceptance bills, and the "bridge-crossing" funds for emergency turnover of enterprises need to pay high costs. Small and micro enterprises get financing from companies and P2P platforms, and the average borrowing rate is around 20%, which is much higher than the real price cost of funds. 3. Rising loans and asymmetric information restrict the micro-finance business from being affected by the slowdown of economic growth, and the high-risk financing characteristics of small and micro enterprises appear, and the non-performing loans of small and micro enterprises in banks increase. At present, the non-performing loan ratio of domestic banks and financial institutions is about 1%, and the main growth points of non-performing loans come from small and micro enterprises and some industries with overcapacity. The asymmetry of information and income risk between banks and enterprises under the traditional credit model restricts the development of microfinance business. 4. Small and micro enterprise credit products are not targeted enough. Small and micro enterprises have more restrictive credit products, less personalized and differentiated credit products, more liquid loans in support direction and less constructive loans; In the way of risk control, there are more mortgage loans and less credit loans; In terms of loan term, there are many one-year loans and few ultra-short-term and long-term loans, which is difficult to meet the short, small, frequent and urgent financing needs of small and micro enterprises; The acceptance bills drawn by banks have lengthened the payment cycle of enterprises and aggravated the problems. Financial product innovation of small and micro enterprises needs to be strengthened. Banks are willing to lend to small and micro enterprises. Of course, it is also necessary to evaluate the ability of small and micro enterprises to repay loans. Applying for bank loans is the most important financing method for most small and micro enterprises. However, there are many small and micro enterprises in the market, but few can really gain a foothold in the fierce competition environment. If we can establish a stable cooperative relationship with the bank, it will certainly be of great benefit to the loan.
What are the conditions for small and micro enterprise loans?
First, the status quo of small and micro enterprises?
Small and micro enterprises are collectively referred to as small enterprises, micro enterprises and family workshop enterprises.
The concept of small and low-profit enterprises is slightly different from that of small and micro enterprises in taxation, which mainly includes three standards, from 20 19 10 to 2021012310, to engage in industries that are not restricted or prohibited by the state, and at the same time meet the annual taxable income of not more than 3 million yuan.
With the introduction of a series of preferential policies for small and micro enterprises and the implementation of accounting standards for small enterprises from June 20 13, the development of small and micro enterprises has attracted more and more attention from the government and society. At present, the scale of small and micro enterprises in China has reached nearly 50 million, which has solved a large number of employed people and nearly two-thirds of income tax for the country and played an increasingly important supporting role in the national economy. However, due to factors such as capital, technology and talents, the level of modern management of small and micro enterprises is generally low, and the informationization rate of enterprises is less than 3%. They still face the problems of irregular management, difficult financing, low efficiency and weak competitiveness, which seriously restricts the development and growth of small and micro enterprises.
While continuing to implement the existing support policies for small and micro enterprises, the central government has focused on introducing relevant policies to support the development of small and micro enterprises:
The first is to increase further decentralization. Accelerate the clearance of unnecessary licenses, qualifications and qualification approvals, and lower the threshold and remove obstacles for small and micro enterprises.
The second is to increase tax support. Small and micro enterprises, individual industrial and commercial households and other individuals whose monthly sales do not exceed 20,000 yuan, on the basis of the current temporary exemption of VAT and business tax, and whose monthly sales are 20,000-30,000 yuan, will also be included in the temporary exemption at the end of 2014/kloc-0 to 20 15. Small and micro enterprises engaged in projects encouraged by the state are exempt from customs duties for importing advanced equipment that cannot be produced for their own use in China.
The third is to increase financing support. Take measures such as business subsidies and incremental business incentives to guide institutions such as guarantee, finance and foreign trade comprehensive services to provide financing services for small and micro enterprises. Banking financial institutions are encouraged to set up separate credit plans for small and micro enterprises, and large banks are encouraged to set up franchisees to serve small and micro enterprises. Substantial progress has been made in promoting private capital to initiate the establishment of financial institutions such as small and medium-sized banks according to law.
The fourth is to increase financial support. Give social insurance subsidies to small and micro enterprises that absorb people with employment difficulties. The government provides skills training, market development and other services for small and micro enterprises free of charge by purchasing services. When college graduates go to small and micro enterprises for employment, the municipal and county public employment talent service agencies will keep the files free of charge.
The fifth is to increase the support of special funds for small and medium-sized enterprises to small and micro enterprise start-up bases, and encourage local small and medium-sized enterprises to support funds to include small and micro enterprises in the scope of support.
Sixth, increase the construction of information systems serving small and micro enterprises, facilitate enterprises to obtain policy information, and provide more effective services by using technologies such as big data and cloud computing.
Second, what conditions do small and micro enterprises need for loans?
1. Small and micro enterprises with loans need to comply with domestic industrial or related industrial policies, and their development is sustainable, and they cannot be enterprises with high energy consumption and serious environmental pollution;
2. The enterprise has a good reputation and has not been accepted by financial institutions or other lenders;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4, a formal organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. It has the ability to repay debts, its assets are in good condition, and there will be no credit asset risk;
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 (including 2 years), there is at least one financial statement in the fiscal year, the sales revenue has increased for two consecutive years, and the gross profit is positive.
Third, the way of small and micro enterprise loans
1, mortgage loan. This kind of loan requires the enterprise to mortgage assets, such as factories, machines or other assets under the name of the enterprise. The loan term is usually around 1-5 years.
2. Credit loan. The term of this loan is relatively short, usually 1-3 years. You don't need to provide collateral, and you can get bank loans by virtue of the business ability and credit of the enterprise.
3. Joint guarantee of merchants. Merchant joint guarantee is a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship enterprises with business licenses. They can apply for loans from banks without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.
What are the requirements for small and micro enterprise bank credit loans?
Small and micro enterprises play an important role in China's economic development, but many small and micro enterprises will encounter certain financial difficulties in the development process. In 2020, with the support of national assistance policies, the financing channels of enterprises will become diversified. For small and micro enterprises, they can also apply for credit loans from banks in case of financial difficulties. What are the requirements for small and micro enterprise bank credit loans?
Regarding small and micro enterprise credit loans, the loan products provided by different banks have different requirements for borrowers, but no matter which bank applies for small and micro enterprise loans, it must meet the following loan conditions:
1. Small and micro enterprises have been registered and established in the administrative department for industry and commerce for more than 2 years, which conforms to the national industry and industrial policies and does not belong to high energy consumption and high pollution enterprises;
2. When applying for a loan, the enterprise must be in a profitable state for at least two consecutive years, because only when the enterprise is in a profitable state will the bank think that the enterprise has the ability to repay the loan principal and interest;
3. To apply for enterprise credit loans in Xiao Wei, you need to open a basic deposit account in the loan bank and handle the settlement credit business for 3 years; Therefore, it is best for an enterprise to apply for a loan in a bank in basic deposit account;
4. Small and micro enterprises hold the normal annual inspection loan card issued by the People's Bank of China; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
5. The credit status of the enterprise, its shareholders and main management personnel is good, and it enjoys a good reputation in various commercial banks. Whether it is a personal loan or a corporate loan, there are certain requirements for the borrower's credit status, and only borrowers with good credit status have the opportunity to successfully obtain loan funds.
6. The enterprise has never defaulted on taxes or employees' wages, and the amount invoiced in the past six months is about 6.5438+0.5 million yuan;
7. The corporate debt ratio shall not exceed 50%. Debt ratio is one of the important factors reflecting the repayment ability of enterprises. If the borrower's debt is too high, the bank may suspect that there is something wrong with its repayment ability and refuse the loan.
The above are the main conditions for small and micro enterprise loans. On the basis of the above loan conditions, banks or financial institutions may have other conditions. It is recommended to consult the loan bank for details. It is helpful for enterprises to apply for loan funds more smoothly to know clearly the conditions for handling loans and the relevant information needed in advance.