Bank's Credit Support for Small and Micro Enterprises

What are the requirements for small and micro enterprise bank credit loans?

Small and micro enterprises play an important role in China's economic development, but many small and micro enterprises will encounter certain financial difficulties in the development process. In 2020, with the support of national assistance policies, the financing channels of enterprises have become diversified. For small and micro enterprises, they can also apply for credit loans from banks when they encounter financial difficulties. What are the requirements for small and micro enterprise bank credit loans?

With regard to small and micro enterprise credit loans, the loan products provided by different banks have different requirements for borrowers, but no matter which bank applies for small and micro enterprise loans, the following loan conditions must be met:

1. Small and micro enterprises have been registered in the administrative department for industry and commerce for more than 2 years, which conforms to the national industry and industrial policies and does not belong to high energy consumption and high pollution enterprises;

2. When applying for a loan, the enterprise must be in a profitable state for at least two consecutive years, because only when the enterprise is in a profitable state will the bank think that the enterprise has the ability to repay the loan principal and interest;

3. To apply for enterprise credit loans in Xiao Wei, you need to open a basic deposit account in a loan bank and handle settlement and credit business for 3 years; Therefore, it is best for enterprises to apply for loans by opening a bank in basic deposit account;

4. Small and micro enterprises hold a loan card issued by the People's Bank of China for normal annual inspection; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;

5. The credit status of the enterprise, its shareholders and main management personnel is good, and it enjoys a good reputation in various commercial banks. Whether it is a personal loan or a corporate loan, there are certain requirements for the borrower's credit status, and only borrowers with good credit status have the opportunity to successfully obtain loan funds.

6. The enterprise has never defaulted on taxes or employees' wages, and the amount invoiced in the past six months is about 6.5438+0.5 million yuan;

7. The company's debt ratio shall not exceed 50%. Debt ratio is one of the important factors reflecting the repayment ability of enterprises. If the borrower's debt is too high, then the bank may doubt its repayment ability and refuse the loan.

The above are the main conditions for small and micro enterprise loans. On the basis of the above loan conditions, banks or financial institutions may have other conditions. For details, please consult the loan bank. It is helpful for enterprises to apply for loan funds more smoothly to know clearly the conditions for handling loans and the relevant information needed in advance.

How do small and micro enterprises borrow money?

First of all, small and micro enterprises submit loan requests to the bank credit department, and issue enterprise credit certificates and related materials that can be used as guarantees, such as company running water and tax payment certificates.

Second: sign loan contracts and related guarantee contracts with banks. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

Third, implement and improve the guarantee procedure according to the conditions agreed in the contract.

Fourth: issue loans. After all the procedures are completed, the bank will issue loans to enterprises as soon as possible, and enterprises can control the loan funds according to the pre-agreed purposes.

At the same time, we should also pay attention to the following issues:

First: Choose the right bank. Because banks issue loans to small and micro enterprises, the income is very low, the risk is great, and the bad debt rate is high. Insufficient repayment ability of small and micro enterprises is a major hidden danger, so most banks have a bad impression on small and micro enterprises and have low trust. Some banks are generally difficult to lend, while others just love small and micro enterprises. Therefore, it is very important to choose a suitable bank when lending, which can not only save a lot of time and energy, but also the amount of loans is very different.

The second is to choose the appropriate credit varieties. Because most small and micro enterprises' product orders, inventory and sales volume are not fixed, there is no complete liquidity chain, there is a lack of effective and valuable collateral, and traditional loans tend to be conservative, so it is difficult to meet the urgent needs of small and micro enterprises in terms of loan approval quota and repayment constraints. At this time, it is particularly important to choose the appropriate credit varieties. Credit cards and e-commerce loans are tailored for small and micro enterprises.

Third: Common loan channels.

1. Mortgage loan

Usually, mortgaged property is used to borrow money from banks. Collateral is usually the machine or factory building of the enterprise. The loan amount can generally reach about 70% of the assessed value, and the bank approval and lending process is faster. The general approval and issuance period is one month. The loan period is one to five years.

2. Credit loan

That is, enterprises do not apply mortgage loans, and obtain bank loans by virtue of their own business ability and credit, without providing collateral. In this enterprise credit loans way, the bank's audit conditions will be more stringent. The loan period is also long, and the loan period is 1-3 years.

3. Joint guarantee of merchants is also a loan method. But the loan amount is not high. Merchant joint guarantee is a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners with business licenses. They can apply for a loan from the bank without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.

What are the conditions for small and micro enterprise loans?

I. Conditions:

1, with abundant cash flow.

2. The owners of small and micro enterprises have good credit.

This enterprise has been very successful for more than two years.

4. Be able to provide effective financial proof.

5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.

6. Other conditions required by the bank.

Two, according to the loan period: 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 a loan with a loan term of 0 years (excluding) to 5 years (including).

3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding).

Extended data:

Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.

First, the process of small and micro enterprises applying for credit loans:

1. application

① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)

(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).

③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.

(4) mortgage situation, other relevant legal documents, correspondence, etc.

Step 2 review

(1) Project

② Credit evaluation

③ Feasibility analysis

④ Comprehensive judgment

⑤ Pre-loan review

3. Signing a contract If the bank considers that all the loan applications meet the requirements and agree to the loan, it should sign a loan contract with the lender.

4. Lending

After the signing of this contract, both parties shall verify the loan according to this contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank and then goes through the withdrawal procedures at the bank.