Inclusive small and micro loans generally refer to inclusive small and micro enterprise loans, which are issued by banks to small and micro enterprises for production and operation activities. The total credit limit for a single household is 10 million yuan (inclusive) Loans below. This loan is mainly aimed at solving the problems of "difficulty in financing" and "expensive financing" of small and micro enterprises, and is used by banks to help the development of private and small and micro enterprises. When applying for this kind of loan, the enterprise can enjoy certain preferential loan interest rates. In this way, the enterprise will pay less interest after applying for the loan, which is also very beneficial to the development of the enterprise.
Extension materials
Small and micro enterprise loans refer to a method of borrowing money from banks or other financial institutions according to prescribed interest rates and terms for the needs of production and operation.
1. Standards for inclusive small and micro loans:
(1) When applying for inclusive small and micro loans, the company needs to have good corporate credit, stable business operations, and corporate profits. Different banks Different stipulations, business operating flow and other conditions mean that different companies will receive different loan amounts when applying. The better the information submitted, the greater the loan amount they will get.
(2) The biggest difference between general small and micro enterprise loans and inclusive small and micro enterprise loans is the credit limit. According to the current situation, simply speaking, the credit limit of 10 million is used as the limit. Points, any loan within 10 million can be an inclusive loan and enjoy preferential interest rates.
(3) According to the "Notice of the Ministry of Finance and the State Administration of Taxation on the Implementation of Inclusive Tax Reduction and Reduction Policies for Small and Micro Enterprises", small and low-profit enterprises are those engaged in national non-restricted and prohibited industries, and at the same time meet the annual requirements. Enterprises with taxable income not exceeding 3 million yuan, number of employees not exceeding 300, and total assets not exceeding 50 million yuan.
2. Precautions for Inclusive Small and Micro Loans:
(1) After applying for the loan, you must repay it on time and avoid overdue repayment, because overdue repayment will Penalty interest will be generated, and the longer the time, the more the penalty interest will be.
(2) The bank will collect the debt if it is overdue. If the amount is large, the bank may sue the borrowing company.
(3) Enterprises can apply for renewal of loans after they expire, but they need to meet the conditions stipulated by the bank.
(4) Enterprises can consult different banks when borrowing, so as to understand which bank offers the lowest borrowing interest rate, and choose a bank according to the conditions of the enterprise.