Basic requirements of enterprises:
1, the enterprise has been operating for two years and has tax data for more than two years;
2. The tax grade is A/B/C/M;
3. The VAT amount in any year of the last two years is not 0;
4. There is no overdue tax payment in the past 6 months;
5. The applicant can only be the legal representative of the enterprise;
6. Change of legal person: subject to the update of the tax bureau system.
Basic requirements for credit investigation:
1. Credit cards and quasi-credit cards cannot be frozen, bad debts or stopped payment.
2. The five-level classification status of loans cannot be shown as secondary or suspicious losses, and there can be no guarantor to compensate or pay off debts with assets;
3. The status display of the external secured loan cannot be secondary, suspicious or loss;
4. There is no requirement for the number of credit inquiries.
Information required for applying for small and micro enterprise loans:
Tax authorization, identity authentication, personal basic information, mobile phone number, bank card information of tax payment account. During the application process, the legal person needs to record a video, which is similar to the operation mode of the famous school loan. The enterprise legal person applies in person, and the system conducts a comprehensive audit according to the operation and tax payment of the enterprise.
Processes required for small and micro enterprise loans:
1, the enterprise must conform to the national industrial policy;
2. The enterprise has a good reputation in commercial banks;
3. 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;
4. No bad credit record and ability to repay the principal and interest;
5. Abide by national financial regulations and policies and relevant bank regulations.
Detailed process of small and micro enterprise loans
1. Application:
Enterprises apply for loans from banks, and provide business licenses, business bills for the past three years, tax records for the past two years and other materials.
2. Bank audit:
After the bank receives the application materials of the enterprise, the staff carefully examines all the materials and evaluates the qualifications of the enterprise.
3. Sign a loan contract:
After the enterprise passes the audit, the bank and the enterprise sign a loan contract, stipulating the loan purpose, loan interest rate and loan amount.
4. Loan:
The bank issues loans to the enterprise legal person account within the time limit agreed in the loan contract, and the enterprise allocates enterprise loans according to the contract funds, and needs to repay the loan principal and interest on time.
Micro-credit is an online working capital loan service provided by Weizhong Bank for small and medium-sized enterprises. This product is a financial innovation product combining big data analysis with Internet technology. From application to withdrawal, customers can complete all online, without collateral, and the amount is visible. Funds arrive in minutes, interest is calculated on a daily basis, and they are borrowed and returned. Weizhong Bank will provide efficient and convenient financing services for small and medium-sized enterprises in technology and finance.