Bank loans undertake trust funds, and bank loans undertake.

When Company A buys Company B, can Company A directly bear the loan debt between Company B and the bank? What process is needed?

The general principle is: as an independent legal person, as long as its legal personality is not eliminated, the creditor's rights and debts should be borne by itself. That is to say, Company A has merged with Company B. If the legal person qualification of Company B still exists, then Company B still bears its own bond debts. However, if the legal person qualification of Company B is cancelled, debt restructuring will be carried out. Generally speaking, if A buys B and then makes B a subsidiary of A, there will be no transfer of creditor's rights and debts. However, if Company B is completely cancelled and then merged into Company A, then debt restructuring is needed.

As for the specific process of debt restructuring, I don't know much about it, because according to local regulations and the scale of enterprises, the competent authorities and the merged entities are different. But in general, it is nothing more than publicly publishing the news of debt restructuring in the newspaper, informing all creditors to hold a disposal meeting, and then coordinating all creditors to see if there are other opinions or something, if they agree to debt restructuring.

Can ABC's chain loan be accepted?

No, the Agricultural Bank of China Chain Express Loan was originally a loan.

Agricultural Bank of China Chain Loan refers to the online supply chain financing business provided by Agricultural Bank of China to upstream and downstream customers through docking with high-quality core enterprise information systems. Agricultural Bank of China obtains the real transaction data of the industrial chain of core enterprises, assists external credit reporting, and then provides loan quotas with the help of big data analysis technology.

Chain Jiedai is an operating loan product launched by Agricultural Bank of China for large-scale high-quality enterprises, small and micro enterprises, self-employed households and farmers. It is convenient to apply for a loan and it can be repaid with the loan. Agricultural Bank of China mainly provides credit line according to the historical cooperation record and future development potential of the enterprise, and the interest-bearing method is flexible.

What does it mean to issue loans to undertake the transfer of non-performing assets?

It means that the loan is taken over by others and then transferred to non-performing assets. Strictly speaking, the non-performing assets of banks are also called non-performing debts, the most important of which is non-performing loans, which refer to loans in which borrowers cannot repay the principal and interest on time and in quantity.

What if the bank loan can't be collected? What methods will banks take?

What if the bank loan can't be collected? What methods will banks take? There is a saying that an account manager without bad loans is not a good account manager. Although this sentence is a joke made by the bank account manager, it reflects a real and common problem: it is inevitable to encounter loans that cannot be recovered. So for this situation, banks have four ways to solve it.

Borrowing the new and returning the old and extending the reorganization.

For the overdue loans of enterprises, the bank confirmed through investigation that enterprises are only in stage or temporary operation difficulties, and they are still able to repay the interest after evaluation, but temporarily unable to repay the principal. Therefore, banks generally adopt the methods of borrowing new loans to repay the old ones (issuing new loans to repay the old ones) or extending the loan repayment period (extending the loan repayment period) to alleviate the pressure on enterprises.

However, for enterprises with big problems, it is necessary to solve them through restructuring, for example, another entity with normal operations (such as the original guarantor) will undertake the loan. Loan restructuring requires that the borrower and guarantee method should not be weaker than the original borrower and guarantee method.

Method 2: Loan collection

If the above methods can't solve the problem, the general bank will seal up, freeze and detain the assets under the enterprise name, and return the bank loan by transferring the funds in the enterprise bank account or auctioning the enterprise assets (of course, in reality, many enterprises' assets are mortgaged to different banks, so banks can only auction the assets mortgaged to banks). If the enterprise's account balance or auction assets are not enough to cover the total loan amount, and the business has a guarantor,

At this stage, if there is collateral, the recoverable loan principal is generally above 90% (because the collateral is mortgaged at a discount of less than 0.7%); If it is a guarantee, the loan principal that can be recovered is above 70%.

Mode 3 loan transfer

Some things are difficult to deal with, such as the remote location of collateral, or the guarantor's uncooperative, paying back a little at a time, and so on. If the bank doesn't want to spend too much time and energy to deal with it, it will package it and sell it to the non-performing loan collection company. After that, whether the recovered funds are higher or lower than the amount sold by the bank, it has nothing to do with the bank.

Mode 4 Loan Write-off

After the second and third methods, there is still a gap, such as a loan of 6.5438 billion yuan, and only 9 million yuan was recovered through the above methods. Then the remaining 6,543,800,000 yuan is indeed a non-performing loan, and the bank will confirm that it cannot be recovered, so the bank will write off the difference. However, it should be noted that write-off is only a way for banks to make accounts, indicating that

The above is "What if the bank loan can't be collected?" What methods will banks take? "Related content, welcome everyone's attention.

What does it mean to undertake bank financing with self-operated loans?

Self-operated loans refer to loans independently issued by commercial banks using the funds raised. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.

What do you mean by loan commitment?

Of course.

Consumers should first choose an automobile dealer who has the loan qualification and can undertake the truck consumption credit business, and then submit the original and photocopy of the consumer's ID card, household registration book, marriage certificate (if married), income certificate, real estate license or relevant residence certificate to him. After receiving these certificates, the general dealer will go to the bank to investigate the credit history of the loan applicant. After confirming the good credit, you can formally enter the vehicle loan procedure. The whole process is generally about 15 working days.

According to the upper limit of personal automobile loan set in the Measures for the Administration of Automobile Loans jointly promulgated by the People's Bank of China and the China Banking Regulatory Commission, the maximum loan amount of all commercial vehicles, including trucks, is 70%. Therefore, the down payment ratio stipulated by car dealers when handling car loans is generally 30% of the car price. In principle, the down payment must be paid to the dealer in cash, and the house mortgage is not allowed. The amount of the deposit is generally 10% of the car price, and the owner will refund it in full after paying all the car money.

This is the purpose of introducing bank loan commitment and bank loan commitment trust fund. I wonder if you have found the information you need?