The business scope of the company includes mortgage loan, equity mortgage loan, etc.
Company business overview:
Adhere to serving agriculture, countryside and farmers, support the development of small and medium-sized enterprises, make good use of policies, adopt flexible mechanisms, operate in a market-oriented way, operate conveniently and quickly, and spread risks in small amounts.
Give full play to the characteristics of "short time, small amount and fast turnover" to make loans simpler, more flexible and more timely.
Product categories include farmers' loans, merchants' loans, short-term commercial loans and bridge loan.
Customer object:
Rural customers: individuals and economic organizations related to agriculture in the business area.
Enterprise customers: enterprise legal persons and their economic organizations in the business area.
Human customers: individual industrial and commercial households and natural persons in the business area.
Guarantee method:
Secured loan: it can provide guarantee for individuals with certain reputation or enterprises with certain asset scale and economic strength. Mortgage: Providing valuable assets, such as real estate and vehicles.
Application materials: the original and photocopy of the borrower's ID card, household registration book, marriage certificate, original business license, basic introduction and other related materials, and the borrower's residence certificate.
Guaranteed loans also need to provide: the guarantor's ID card, household registration book, the original and photocopy of marriage certificate, income certificate, and a letter of commitment that the guarantor agrees to bear joint and several liabilities.
The mortgage loan also needs to provide: the mortgagor's ID card, household registration book, the original and photocopy of the real estate license, and the statement that the mortgagor agrees to mortgage.
Operating short-term loans:
"Operating short-term loans" refers to loans granted to meet the seasonal or temporary needs of borrowers in the process of production and operation.
Loan amount: within 6,543,800+0,000.
Loan term: within half a year.
Loan interest rate: 4 times the benchmark loan interest rate announced by the People's Bank of China.
Repayment method: monthly interest settlement, one-time or installment repayment of principal.
Application conditions: residents who have reached the age of 25 and have full capacity for civil conduct in the company's business area have fixed residence, stable income, reliable repayment ability, no bad credit record, legal business license and fixed production and business premises in the company's business area. The loan investment object conforms to the national policy.
Guarantee method.
What are the main business scope and methods of loans?
The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies in terms of definition and business scope. So what are the operating methods and scope of loans? Below I will solve the business scope and methods of loans for everyone, hoping to help you.
Scope and mode of loan business
Business segmentation:
(1) Handling all kinds of loans;
(2) Discounting bills;
(3) Handling the transfer of assets;
(4) Handling the settlement under the loan;
(5) Other asset businesses approved by China Banking Regulatory Commission.
Loan companies must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.
Loan companies are not allowed to absorb public deposits, with high credit lines and flexible loan methods.
Divided by time limit
(1) Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
(2) Medium-term loans refer to loans with a loan term of 65,438+0 years (excluding) to 5 years (including).
(3) Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Divide by purpose
(1) Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
(2) Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
laws and regulations
According to Articles 30 to 32 of the Measures for the Pilot Implementation of Beijing Companies (Beijing Zhengban Fa [2009] No.2), in the pilot stage, the business scope of the company is limited to issuing loans within the administrative areas of registered counties. The company can choose the loan object independently. In the pilot stage, the amount of loans granted to "agriculture, rural areas and farmers" every year shall not be less than 70% of the total amount of loans in the whole year. Companies should adhere to the principle of "small amount and dispersion" when issuing loans, encourage companies to provide credit services to farmers, micro-enterprises and small and medium-sized enterprises, and strive to expand the number of customers and service coverage. The loan balance of the same borrower shall not exceed 3% of the company's net capital.
Operating advantages of loan companies
Due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises having to seek help from financing institutions such as loan guarantee institutions when they have financing needs. The cost for loan guarantee institutions to select customers is relatively low, so choosing high-quality projects to recommend to cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.
In addition, in terms of risk control of loans, banks are also reluctant to put them on the Internet. One of the important reasons is that the management cost of such loans is high, but the income is not obvious. For this kind of loans, loan guarantee institutions can share the management cost of banks by optimizing the management process, eliminate the worries of banks, and form personalized service for post-loan management of microfinance.
Secondly, after the risk is released, the advantages of loan guarantee institutions are irreplaceable. There are risks in the project of bank direct loan, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some loan guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the loan guarantee institutions will resolve the risks through their more flexible handling methods compared with banks.
On the other hand, the loan company has a fast time limit. The bank's inherent loan model and process are easy to cause a lot of time waste for SME owners, and the efficiency is difficult to guarantee; The guarantee company just embodies the flexible and changeable mode of designing special financing schemes for different enterprises.
Furthermore, the credit given by the loan company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs. Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.
Operating conditions of loan companies
(1) The investor is a domestic commercial bank or a rural cooperative bank;
(2) Its assets are not less than 500,000 yuan;
(3) Good corporate governance and sound and effective internal control;
(four) the main prudential supervision indicators meet the regulatory requirements;
(5) Other prudential conditions stipulated by the CBRC.
What is the business scope of the company?
Mortgage loan, equity mortgage loan, etc. It depends on the business department of the company. Some large small loan companies have many types of business, which are more divided from the four categories I mentioned above.