What are the requirements for Minsheng Bank to apply for enterprise credit loans in Xiao Wei?

1. What are the requirements for Minsheng Bank to apply for enterprise credit loans in Xiao Wei?

If the production and operation are profitable, the enterprise should keep its credit and apply for a loan.

brief introduction

(1) An enterprise must be established, registered and hold a business license with the approval of the State Administration for Industry and Commerce. The implementation of independent economic accounting, independent management of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.

(2) Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds. Abide by policies and regulations and bank credit settlement management system, and open basic account and general deposit accounts in banks as required.

(3) At present, the expected annualized interest rate of small and micro enterprise loans of Minsheng Bank is 0.6% per month and 7.2% per year, which is 20% higher than the benchmark expected annualized interest rate. If it is a high-quality customer with a certain business and cooperation history in the bank, it can be lowered on this basis according to the specific situation. Small and micro enterprises have flexible loans. A loan can be approved for five years, and customers can use it to repay the loan and reuse the loan within the limit. In addition to pollution and entertainment, enterprises in other industries can borrow from this bank.

2. What are the characteristics of Minsheng Bank's employment-oriented loans?

Minsheng Bank's business-related loans are mainly aimed at individuals and small and micro business owners, and belong to mortgage loans.

The loan amount of Minsheng Bank can reach 100% of the assessed value of collateral, and the maximum amount for a single household can reach 5 million yuan; Just provide the basic information of the borrower's family and business; Lend money within 3 working days after the formalities are completed; The loan amount is valid for 5 years; You can borrow it, you can pay it back, and the interest is calculated by the day.

To apply for a loan from Minsheng Bank, you need to meet the following conditions: the actual controller of small and micro enterprises or individual industrial and commercial households; The business entity has been operating stably for 2 years; Good credit record; Have a local property (residence or business place).

3. What conditions does Minsheng Bank need to meet to make small and micro loans?

Not only do banks have strict requirements for loans to small and micro enterprises, but even small loan companies with higher interest rates have strict requirements for small and micro enterprises.

In addition, small and micro enterprises must meet the basic conditions, such as being approved and registered in the administrative department for industry and commerce, having independent legal person qualification, independent accounting, opening basic deposit account, and having paid-in capital not less than registered capital.

It also requires enterprises to have good repayment ability and reasonable asset-liability ratio, and the asset-liability ratio cannot exceed 70%. Enterprises have the ability of sustained profitability and stable market competitiveness. In addition, enterprises should have good credit. Of course, different lending institutions have different requirements for applicants.

4. What conditions do enterprises need to meet when applying for credit loans?

1, with good corporate credit.

Enterprise credit includes two aspects: one is settlement credit; The second is loan credit. In other words, the cash settlement of the borrower's enterprise is normal, and there have been no bad phenomena such as non-payment, non-payment of bills and fines, and at the same time, it has a good willingness to repay.

2. The qualifications of business owners are all good.

When an enterprise applies for a loan, the lending institution will not only examine all aspects of the enterprise, but also examine the qualifications of the business owner, such as personal credit status, income status, and future planning of the enterprise. These are all important factors for enterprises to successfully obtain loans.

3. Provide true and reliable financial statements.

Before applying for a loan, the lending institution will examine the financial situation of the enterprise. If there are no regulations and financial management is chaotic, loan applications are likely to be blocked, because such enterprises are more risky in the eyes of lending institutions.

4. Assets and liabilities should not be too high.

According to relevant regulations, the asset-liability ratio of the borrowing enterprise cannot exceed 60%. In addition, finance ... 1, corporate credit is good.

Enterprise credit includes two aspects: one is settlement credit; The second is loan credit. In other words, the cash settlement of the borrower's enterprise is normal, and there have been no bad phenomena such as non-payment, non-payment of bills and fines, and at the same time, it has a good willingness to repay.

2. The qualifications of business owners are all good.

When an enterprise applies for a loan, the lending institution will not only examine all aspects of the enterprise, but also examine the qualifications of the business owner, such as personal credit status, income status, and future planning of the enterprise. These are all important factors for enterprises to successfully obtain loans.

3. Provide true and reliable financial statements.

Before applying for a loan, the lending institution will examine the financial situation of the enterprise. If there are no regulations and financial management is chaotic, loan applications are likely to be blocked, because such enterprises are more risky in the eyes of lending institutions.

4. Assets and liabilities should not be too high.

According to relevant regulations, the asset-liability ratio of the borrowing enterprise cannot exceed 60%. Moreover, the annual net operating cash flow in financial statements cannot be negative, and the same profit cannot be negative.