If you are the manager of the credit department of a bank, what factors should you consider when granting loans to enterprises?

There are many factors to consider, mainly including:

1. Whether it complies with relevant provisions of financial laws and regulations and bank credit policy system.

Second, master the basic situation of customers and analyze the development prospects.

Three. Grasp the total amount, structure and quality of customers' bank financing, and analyze customers' financing ability and credit status.

Fourth, comprehensively analyze the financial situation of customers and verify their comprehensive solvency.

5. Clarify the customer relationship and guard against the risks of related party transactions.

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.

Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Credit loan refers to a loan issued by a bank with the borrower's reputation, 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).

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:

1. 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.

2. 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: 654.38+10,000 ~ 500,000 yuan

Basic requirements:

1, legally operated small and medium-sized enterprises.

2. Hold a loan card issued by the People's Bank of China, and have no bad credit record.

3. The company has been registered and operated for more than 3 years, with an annual turnover of more than 3 million in the latest year.