1, and the credit rating of corporate customers is at least AA- or above; The enterprise has been established for more than 3 years and is in good operating condition; The applicant applying for enterprise credit loans has a good credit, and his personal loan has no overdue record for nearly three months; , enterprise management norms, no evasion of debts, arrears of interest and other bad credit records; The company's operating income and profits have increased continuously in the past three years; The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable; The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million; Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months, and monthly reports for the last month; The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this; Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.
What does enterprise credit mean?
The so-called enterprise credit loans refers to unsecured and unsecured loans issued by banks to the legal representatives or controlling shareholders of small enterprises to supplement the working capital of enterprises and other purposes designated by law.
As the saying goes, "Gold is valuable, but credit is priceless", just as bankers pointed out, weakening collateral and strengthening credit loans will become the main trend of SME loan development in the future.
Enterprise credit loans is a kind of unsecured, unsecured loan with simple procedures, flexible term, quick approval and quick loan, which provides working capital for enterprises, meets different business needs of enterprises and helps enterprises to successfully expand their business at home and abroad.
Classification content of enterprise credit
Unsecured/credit loan
Refers to the loan issued by the bank with the credit of the borrower, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
First, enterprise credit loans application conditions
1. The enterprise has been established for 3 years;
2. Billing amount in the past six months: about 6.5438+0.5 million.
3. Invoicing (VAT invoice), annual report for two years, monthly report for the last month, and invoice situation for the last six months,
4. The applicant's personal loan in the past three months cannot be overdue, and the corporate debt ratio cannot exceed 60~70%.
Second, enterprise credit loans application materials.
1. Enterprise marketing license, tax registration certificate, organization code certificate, recent capital verification report, value-added tax or income tax payment certificate for the last six months, financial statement for the last year, bank statement of the enterprise for the last six months, etc.
2. Identity cards or passports of the main members of the enterprise and shareholders holding more than 0/5% of the shares of the enterprise/KLOC-.
Third, the business characteristics
1. Unsecured-real credit lending to solve the trouble that enterprises can't provide bank collateral.
2. Tailor-made solution-The loan scheme can be customized according to the operation mode and cash flow of the enterprise.
3. Intimate repayment method-cooperate with the cash flow of the enterprise to reduce the interest burden and the financial pressure of repaying the principal in one lump sum at maturity.
Fourth, business processes.
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
What are the requirements for CCB to apply for enterprise credit loans?
CCB enterprise credit loans refers to the loan issued by CCB with the reputation of enterprise operators. The borrower does not need to provide guarantee, and the loan target is mainly small and medium-sized enterprises in industrial and commercial registration. The term of corporate loans is generally 1-2 years, and the amount of corporate loans is 1 10,000 to 500,000 yuan.
The conditions for applying for CCB enterprise credit loans are as follows:
1. conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption.
2. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
3. The operation of the enterprise is stable, the establishment period is in principle more than 2 years (inclusive), and there is at least one financial report in one or more accounting years.
The total profit of operating income accounting has increased continuously in the past three years, the asset-liability ratio is controlled in a good range of 60%, and the cash flow is sufficient and stable.
4. 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;
5. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits;
6. Have the ability to perform the contract and repay the debts, have a good willingness to repay, have a good reputation in various commercial banks, have no bad credit records, and credit asset risks are classified as normal or non-financial factors;
7. Comply with national financial regulations and policies and relevant bank regulations.
What are the terms of the bank's credit loan to the company?
What conditions do enterprises need to apply for credit loans?
Hello, you need to meet the following conditions:
1. The company must be an enterprise approved and registered by the administrative department for industry and commerce;
2. The company has a fixed business place and necessary business facilities, and is responsible for independent accounting, self-financing, independent operation and independent civil liability;
3. The company has a sound financial accounting system, and must provide the bank with operating instructions and statistical statements when issuing loans;
4. The company abides by national laws, regulations and policies and operates according to law;
5, the company industry national policy allows, encourage the development of the industry.
If you are in urgent need of money, I suggest that you must choose a reliable formal channel for big brands. Qianhua is a credit service brand under Xiaoman Finance (formerly network finance), which is safe and credible, and has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest expenses and strong security. The application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Fuguihua, I hope it will help you. Youhuahua, as the credit brand of Xiaoman Finance (formerly network finance), provides users with convenient, fast and safe internet credit services with a maximum loan amount of 200,000 yuan.
(2) What are the requirements for applying for CCB enterprise credit loans?
To apply for a bank loan, you need to prepare materials:
Valid identity documents;
Proof of permanent residence or valid residence, proof of fixed residence;
Proof of marital status;
Bank flowing water;
Proof of income or personal assets;
Credit report;
Use plan or loan use statement;
Other information required by the bank.
Requirements for bank loans:
At least 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and bank loans require the lender to be between 18-60 years old;
Have a stable legal income and the ability to repay interest;
Other conditions required by the lending bank.
These procedures are usually divided into three steps:
Basic information submitted by the customer, including work unit and contact telephone number;
The loan bank or company checks the credit information of customers, including whether the credit rating of customers has illegal records, and for self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions;
The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.
(3) What are the conditions for banks to issue enterprise credit loans/enterprise credit loans?
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
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What does enterprise credit loans of Boss Bank want?
What purpose and way? Different applicants and different loan types need to provide different loan application materials. Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement. Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years. Application conditions for personal micro-credit loans: 1. China citizens who have permanent residence in China, permanent residence in local towns and have full capacity for civil conduct; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. There is no bad record on the national credit record; 5. Other conditions stipulated by the bank.
What are the conditions for a company to borrow money from a bank?
1. The company must be an enterprise approved and registered by the administrative department for industry and commerce.
2. The company is an enterprise with fixed special business premises, necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability.
3. The company has a sound financial accounting system. When issuing loans, it is required to provide business statements and statistical statements to banks.
4. The company abides by national laws, regulations and policies and operates according to law.
5, the company industry national policy allows, encourage the development of the industry.
What are the requirements of "land" banks for corporate loans?
Hello, the requirements for bank loans are relatively high. The most basic thing is that you have a good credit status and a fixed economic income. If there is an urgent need for money, we must choose a reliable formal channel for big brands. Qianhua is a credit service brand under Xiaoman Finance (formerly network finance), which is safe and credible, and has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest expenses and strong security. The application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Fuguihua, I hope it will help you. Youhuahua, as the credit brand of Xiaoman Finance (formerly network finance), provides users with convenient, fast and safe internet credit services with a maximum loan amount of 200,000 yuan.
What requirements and conditions do banks have for small and medium-sized enterprise credit loans? How soon can it get the loan?
Generally speaking, banks need a business license for more than two years for credit loans to SMEs. It has a fixed business place, relatively stable running water, good corporate credit information and fixed upstream and downstream cooperation. It's possible. The bank will apply for it for you. The time is basically about a month.
What is a corporate loan?
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
The application conditions are in line with the national industry and industrial policies and do not belong to small enterprises with high pollution and high energy consumption; The enterprise has a good reputation in various commercial banks and has no bad credit record; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection; It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors; The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; Abide by the industrial credit policies related to small businesses; Abide by national financial regulations and policies and relevant bank regulations; Open a basic settlement account or a general settlement account with the applicant bank.
Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:
Capital construction loan: refers to the medium and long-term loan approved by the competent department 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.
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.
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.
Term of enterprise loan: generally 1-2 years.
Enterprise loan amount: 6,543,800+10,000 ~ 500,000 yuan.
What is the company's maximum credit loan?
The company has been operating for 1 many years, and the maximum amount in enterprise credit loans is 5 million yuan. The amount of loans mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.
Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.
Generally speaking, the branches of commercial banks are based on the local credit market, the personal loan business development strategy and risk control ability of the branches.
Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.
I. Application conditions
It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;
The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
Abide by the industrial credit policies related to small businesses;
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account or a general settlement account with the applicant bank.
Second, the application materials
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
Three, personal loans need to meet the basic conditions are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.