If you want to inquire whether an enterprise has a loan, you can inquire about the credit information of the enterprise, generally in the Credit Information Center of the People's Bank of China.
All credit information of an enterprise, including loan records, is collected and arranged in the enterprise credit information. As long as you query the credit information of the enterprise, you can know the loan record of the enterprise and whether it has a loan.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1 security. Is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
How to check whether there is a loan in the business license?
There are two ways to check whether the company has a loan.
1. An enterprise as a legal person goes to the outlets of the People's Bank of China with its ID card and business license, and finds the relevant staff of the Credit Information System Center for inquiry. After the results come out, the loan situation of the enterprise will be presented in paper form.
2. Log in to official website "National Enterprise Credit Information Publicity System" and enter the enterprise name or unified social credit code or registration number for inquiry.
How to check whether the company has a loan?
Go to the company's financial office or the bank to inquire.
The most direct way to inquire whether an enterprise has a loan is to look at the financial statements of the enterprise, and remember the assets and liabilities clearly. If the financial statements can't reflect it, you need to check it by checking the People's Bank of China. Prepare the company's official seal, company's three certificates in one (business license) and credit code certificate in advance. Fill in the power of attorney signed by the enterprise legal person and stamped with the official seal, and fill in the application form for enterprise credit report inquiry and stamped with the official seal. Bring the above materials to the credit information center of the local people's bank. The staff will find out all the loan information of the enterprise and print it out for you.
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different. For example, when an enterprise applies for a credit loan, it directly brings business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials.
Loan (e-IOU credit loan? A simple and popular understanding is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles.
How to check whether the company has a loan?
You can go to the enterprise to look at the accounting books, or you can go to the People's Bank of China to check the loan situation of the enterprise in the credit management system. You can inquire about enterprise loan cards through the People's Bank of China.
Where to check the enterprise loan situation, the specific method is:
1. The company fills in the enterprise loan card inquiry application form;
2. Prepare a letter of introduction from the unit, a valid loan card and an ID card of the agent;
3. The agent went to the local branch of the People's Bank of China to inquire. The local branch of the People's Bank of China will make an inquiry on the spot after receiving the inquiry.
Extended data:
Loan conditions of mortgage loan:
1, with legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract;
2. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
3. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; Can provide effective guarantee recognized by the loan bank.