What are the advantages of enterprises lending to banks?

1, the cost is low. Compared with other financing tools, bank loans have the lowest cost, and the interest rate of bank loans depends on the specific situation. Generally speaking, the interest rate is higher than the preferential interest rate for small business loans. The loan interest rate of enterprises with low credit rating may be higher than that of enterprises with high credit rating; The medium and long-term loan interest rate is higher than the short-term loan interest rate. On the whole, the bank loan interest rate still has a comparative advantage. Compared with corporate loans of other lending platforms, corporate loans of banks are definitely the lowest-cost loan method. Because the bank's loan interest rate is low, there is no need to charge intermediary fees, handling fees and other miscellaneous fees, which can save a lot of expenses for enterprises. Moreover, it is possible to obtain certain loan interest rate concessions when applying for corporate loans in banks.

2. The source of funds is stable. Due to the strength of the bank and sufficient funds, the source of funds is relatively stable. As long as the loan application of small and medium-sized enterprises has passed the bank's examination and signed a loan contract with the bank, which meets the conditions for loan issuance, the bank can always provide funds to enterprises in time to meet their financing needs.