What are the difficulties faced by micro and small enterprises to apply for loans from the bank

A, small and micro enterprises to the bank to apply for loans face what difficulties

Loan conditions are strict

Banks are usually more stringent requirements for borrowers, although the loan product is different requirements are also different, but there are still some hidden thresholds for this reason, although some small and micro enterprises to meet the conditions of the bank loan, due to approval The process is more stringent, in the approval process was also encountered refused loans.

Slower disbursement time

Because of the strict conditions of the bank loan, the approval will be very strict, the time about the error is longer, so also make very other way to raise funds.

Loan interest rates

Because many private enterprises do not have a car no, for this reason it is very difficult to want to enterprises to issue loans, both time-consuming and laborious, and enterprises in order to obtain funds, usually the private lending threshold is lower, but out of the risk of considerations in the collection of fees will be a lot higher than the bank

Two, applying for the CCB micro-mini fast loan said do not meet the conditions?

CBC Express clearly has a quota, but the application is prompted by the ineligibility, most likely because:

1. The results of the inquiry of the credit record of the Bank of China did not pass:

Personal loans in the Bank of China or other banks/credit card/quasi-credit card has a record of overdue or the status of the account for the freezing of stop-payment/bad debt/writing off, the credit record for the blank, and so on.

2. Credit card reasons:

Holding a credit card belonging to ten or more banks, or holding a credit card belonging to less than ten banks, but in five or more, and the total degree of utilization rate of eighty percent and above (for example, there are six banks credit card, the cumulative total of one hundred thousand dollars, the total use of eighty thousand dollars).

And you need to pay attention to the following basic conditions stipulated by CCB Express Loans:

1. Age between 22 years (inclusive) and 60 years (inclusive), with full capacity for civil behavior.

2. Be a resident of mainland China (excluding Hong Kong, Macao and Taiwan).

3. Have good personal credit standing.

4. Customers who hold CCB's personal financial assets (including deposits, wealth management products, etc.) or have outstanding CCB personal housing loans, etc.

5. Have a stable source of income and the ability to repay the loan principal and interest on time.

Three, 2022 what are the main problems of small and micro-enterprise financing

I. What are the main problems of small and micro-enterprise financing? Due to the low qualifications of small and micro enterprises, the lack of collateral pledge guarantee and other factors, financing is difficult, expensive financing is the development of the global small and micro enterprises facing the **** the same problem, small and micro enterprise financing bottlenecks and difficulties encountered are mainly reflected in the following: 1, the very limited channels of capital Bank of small and medium-sized credit institutions financing conditions are complex, cumbersome procedures, long cycle, financial supply services to keep pace with the low proportion of industrial enterprises to obtain the qualification of credit ; listing, equity financing, etc. can only serve niche enterprises at present, the new three boards, stock exchange center trading is not active, has not yet realized the revitalization of assets, find value function, the new three boards of the enterprise's comprehensive tax burden of up to 138%; SMEs notes, private debt, debt financing costs, default risk, SMEs guarantee business scale shrinkage; company, P2P network lending platform services for micro and small enterprises with limited ability to raise funds. 2, micro-enterprise financing costs are high micro-enterprise financing in addition to facing high lending rates, effective collateral, guarantee fees, consulting fees, assessment fees renewal fees and other types of costs also pushed up the cost of enterprise financing. Enterprises to the bank loan can only get the appraisal value of 30-80% of the loan, and part of the form of promissory notes issued by the enterprise emergency turnover "bridge" funds need to pay a high cost. Micro and small enterprises from the company, P2P platform to obtain financing, the average borrowing rate of nearly 20% or so, much higher than the real price of capital costs. 3, rising loans and information asymmetry constraints on small and microfinance business by the slowdown in economic growth, small and microenterprise financing high-risk features appear, the bank small and microenterprise non-performing loans rose. At present, the domestic banks and financial institutions non-performing loan ratio of about 1%, the main growth point of non-performing loans from small and micro enterprises and some overcapacity industry. Because of the information does not **** enjoy the information asymmetry caused by banks and enterprises, the traditional credit model of return and risk asymmetry, restricting the development of small and micro-credit business. 4, micro-enterprise credit products are not targeted enough micro-enterprise credit products are more restrictive, personalized, differentiated credit products less, in the direction of support liquidity loans more, less constructive loans; in the wind control method on the mortgage loans more, less credit loans; in the loan period on the one-year loans more, more ultra-short-term and long-cycle loans less, it is difficult to satisfy the "short, small, frequent and urgent" small and micro-enterprise financing. "Small and medium-sized enterprises financing needs; banks issued promissory notes to lengthen the enterprise's payback cycle, exacerbating the problem of small and medium-sized enterprises oriented financial product innovation needs to be strengthened. 5, lending companies and Internet financial development is facing difficulties At present, the country's small loan companies more than 8,000, loan balance of nearly 900 billion yuan. Small loan companies face a lack of funding sources, high cost of information acquisition, risk control and sustainable development and other issues. Internet finance is a healthy type of innovation born by following the laws of Internet economy, facing problems such as financial institution licenses, information collection and disclosure, P2P platform capital mismatch, and how to dock the credit system. Second, how to improve financing? China's insurance industry is huge and accounts for a high proportion of GDP, and there are some urgent problems in insurance finance, such as the definition of the regulatory legal relationship, the improvement of industry norms, and the establishment of access mechanisms. Utilizing the relevant policy regulation and financial tools to strengthen the support and guidance of insurance finance and promote the sustainable and healthy development of the industry. 1. Innovative government funds to support financial development. Through the establishment of industrial funds, shares in social financial institutions and other ways to increase support for key financial services enterprises, to provide the necessary financial security for its development; at the same time, actively guide financial institutions to increase the credit limit of eligible enterprises, reduce financial risks, and help build a regional financial services center. 2, increase tax policy support. Industry insiders suggest that in order to promote the modern insurance industry to become bigger and stronger, the government should provide more and more in line with the actual needs of the development of the insurance industry policy support, such as the enactment of tax incentives, reduce the relevant tax rates, etc., and strive to provide strong support for the development of the insurance industry from the policy. 3、Guide insurance enterprises to improve their credit rating and promote financial innovation. Enterprises should strengthen their own construction, especially to try to improve their own credit rating, and timely communication with the bank, so that the bank accurately grasp their financing needs. From the bank's point of view, but also from the actual situation of the market, for the enterprise research and development of venture capital nature, to support the development of new enterprises, such as financing products, in order to increase their own income. In view of the logistics enterprises generally have a strong demand for insurance, insurance companies should also actively research and development of targeted insurance, and vigorously promote the full coverage of the insurance business, in order to improve their own strength and achieve a multi-win. Therefore, at present, China has to admit that in terms of financial services and some developed countries in the West, there is still a big gap, it can be said that the rapid development of the market economy and the establishment of some of China's actual financial policies are not proportional to, of course, the competent authorities of the national financial sector to take into account a variety of factors to gradually improve the financial products to the establishment of small and medium-sized enterprises to establish a foothold in the market of the financial environment.

Four, small and micro-enterprises to the bank to apply for loans face what difficulties

Loan conditions strict

In the application for loans, the bank is usually more stringent requirements of the borrower, although the loan products are different requirements are also different, but there are still some hidden thresholds, for this reason, despite the fact that some small and micro-enterprises to meet the conditions of the bank loan, due to the approval process, the bank has to be able to meet the requirements of the loan conditions. Bank loan conditions, due to the approval process is more stringent, in the approval process was also encountered refused loans.

Slower disbursement time

Because of the strict conditions of the bank loan, the approval will be very strict, the procedures are also more cumbersome, and naturally, the delay is longer, which makes a lot of urgent need for capital enterprises to find other ways to raise funds.

Loan interest rates are higher

Because many private enterprises do not have a car or a house, the bank in order to control the risk of lending, it is very difficult to want to enterprises to issue loans, both time-consuming and costly, and enterprises in order to obtain, but also to the people to borrow money to obtain funds, usually the threshold of the private sector lending is lower, but out of the risk of considering the cost of fees charged than the bank will be a lot higher.