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What should the CBRC do if it finds that funds are flowing back?
The CBRC should communicate with the loan handling agency in time after discovering the return of funds to see if there is any solution, and don't take any chances. Banks earn interest on loans, so generally speaking, after normal lending, they will not recover loans for no reason. Therefore, users need to consider whether the loan purpose or other aspects do not conform to the current bank policy, or trigger the bank policy to lead to the return of funds. Users should find out the specific reasons for backflow and solve them.

First, the way to deal with the return of funds

It is suggested to apply for loans through formal channels: for example, in ABC, the definition of WebKit loan refers to the small consumer loans issued by ABC to individual customers who meet certain conditions in cash. This kind of loan can be applied by itself, quickly collected, automatically approved and used by customers. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. E-banking customers of user banks who hold security authentication tools issued by user banks. (Currently only second-generation KBao customers are supported) 4. Credit status is good.

Second, the understanding of the return on capital

1. Pay off the debt and terminate the long-term loan relationship. If the company has sufficient book capital, it needs to pay off the company's debts and dissolve the company as soon as possible. Long-term loan relationship. In the case of the company's relative shortage of funds, it is the most appropriate way to take evasive measures according to laws and regulations, and then the company will repay the loan. Pay off debts in form; 2. After the loan is paid off, a new debt is formed: the company can sign a new loan agreement with the borrower, but the borrower must be the shareholder or boss of the company and be responsible for paying the interest and interest tax on the debt. After the interest and taxes are settled, the funds will be owned by the company.

To sum up, if the registered capital of the company is small, the shareholders of the company can choose to use bridge funds to convert debts into investments, thus increasing the registered capital of the company. Laws can reduce some cumbersome tax procedures and avoid some unnecessary risks.