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A sole proprietorship enterprise refers to an enterprise that is funded by individuals and enjoys all operating income. The establishment procedure is simple and can be managed according to personal decision. Because of the limited management level, the scale of the enterprise is restricted.
2. Conditions for a sole proprietorship enterprise to apply for a loan: it has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; The annual inspection procedures should be handled by the industrial and commercial departments, because only through the annual inspection and annual inspection procedures of the industrial and commercial departments can we verify the development and changes of the sole proprietorship enterprise and ensure the authenticity of the relevant loan application materials and the authenticity and legitimacy of its business qualifications; Basic deposit account or general deposit account has been opened; The asset-liability ratio of the sole proprietorship enterprise meets the requirements of the lender; When applying for a loan, the proportion of the owner's income to the total investment required for the project meets the specified requirements.
3. The loan processing flow of the sole proprietorship enterprise:
1. When applying for a loan, a sole proprietorship enterprise shall apply to the agent bank of the host bank;
2. Need to fill in the loan application form;
3. When applying for a loan, a sole proprietorship enterprise needs to provide relevant assets certificates and other loan-related materials;
4. The certificate that the person who has the right to dispose agrees to mortgage and pledge and the relevant documents that the guarantor intends to agree to guarantee;
5 enterprise project proposal and feasibility report;
6. Other relevant information required by the bank.
4. The loan guarantee method of the sole proprietorship enterprise:
1. Comprehensive credit: refers to a certain credit line granted by the bank to some enterprises with good operating conditions and reliable credit, which can be recycled within the validity period and credit line.
2. Bill discount: refers to the transfer of a commercial bill to a bank by the holder in order to obtain the funds after deducting the discount interest.
3. Intellectual property pledge: refers to the financing method of applying for a loan from a bank after evaluating the legally owned patent rights, trademark rights and property rights in copyright.
4. Fixed assets loans: medium and long-term local and foreign currency loans issued by banks to enterprises, which are mainly used for capital construction, equipment purchase, technological transformation and corresponding supporting facilities related to investment in fixed assets projects.