Small and medium-sized enterprise secured loan refers to the loan issued by the bank according to the guarantee form stipulated in the Guarantee Law of People's Republic of China (PRC). When the borrower fails to repay the loan, the third party promises to bear the agreed joint and several guarantee liabilities. First, the basic conditions for applying for credit business loans; Business licenses, organization code certificates, ID cards of legal representatives, articles of association, capital verification reports and tax registration certificates of the borrower and guarantor; Audit reports of the borrower and the guarantor for three consecutive years and the latest financial statements; Resolutions of the board of directors of the borrower and the guarantor; Description of payment plan and repayment source. 2. The loan term and interest rate loan term are determined according to the borrowing purpose of the borrowing enterprise: the working capital is determined according to the enterprise cycle, and the project loan is determined according to the project term. Strictly implement the loan interest rate policy stipulated by the People's Bank of China, and adhere to the principle of fairness, legality and acting according to the contract. The interest rate of medium and long-term loans is fixed for one year according to the loan contract, that is, the interest rate agreed in the loan contract will be implemented within one year from the effective date of the contract, and the interest rate will remain unchanged; After one year, adjust the current interest rate and implement the new interest rate. Applicants who have opened a settlement account with our bank for more than two months can enjoy preferential interest rates according to our relevant policies. Three. Information to be submitted by the enterprise (1): business license, organization code certificate, tax registration certificate, and business license for special industries; (two) the identity card of the legal representative of the enterprise; (3) account opening license and loan card; (4) Articles of Association of the shareholders of a wholly foreign-owned enterprise or relevant investment agreements, joint venture agreements, partnership contracts or agreements; (5) Capital verification report; (6) the statements of the enterprise for the first three years (for less than three years, the statements for the first two years or the previous year) and the latest financial statements; (seven) payment plan and repayment source; (eight) other information required by the bank. Small and medium-sized enterprise mortgage loan refers to the loan secured by the fixed assets, land, factory buildings, machinery and equipment of our factory. I. Basic Conditions (1) Opening a basic settlement account or a general settlement account with a certain settlement or deposit amount in our bank; (2) Holding a loan card issued by the People's Bank; (3) Having the necessary organizational structure, business management system and financial management system; (4) It has a good reputation, has the ability to perform contracts and repay debts, and has no bad credit record; (5) It has a fixed business place, operates legally, and its products have a market and benefits; (6) Being able to abide by national financial laws, regulations, policies and relevant banking regulations; (7) Other conditions stipulated by the bank. Second, the loan term and interest rate loan term and interest rate loan term are determined according to the borrowing purpose of the borrowing enterprise: the working capital is based on the enterprise cycle, and the project loan is based on the project term. Strictly implement the loan interest rate policy stipulated by the People's Bank of China, and adhere to the principle of fairness, legality and acting according to the contract. The interest rate of medium and long-term loans is fixed for one year according to the loan contract, that is, the interest rate agreed in the loan contract will be implemented within one year from the effective date of the contract, and the interest rate will remain unchanged; After one year, adjust the current interest rate and implement the new interest rate. Applicants who have opened a settlement account with our bank for more than two months can enjoy preferential interest rates according to our relevant policies. Three. Materials to be submitted (1) business license, organization code certificate, tax registration certificate, and business license for special industries; (two) the identity card of the legal representative of the enterprise; (3) account opening license and loan card; (4) Articles of Association of the shareholders of a wholly foreign-owned enterprise or relevant investment agreements, joint venture agreements, partnership contracts or agreements; (5) Capital verification report; (6) the statements of the enterprise for the first three years (for less than three years, the statements for the first two years or the previous year) and the latest financial statements; (seven) the ownership certificate of the enterprise collateral. (8) Payment plan and repayment source; (9) Other information required by the bank.
2. What are the innovative businesses of banks?
For example, doing or doing credit loans.
3. What are the strategies for financial product innovation?
The development of science and technology makes financial services everywhere, and financial technology is changing the way enterprises obtain financial services. Face-to-face technology company, established on 20 15, is applying innovative financial technology to help the financial industry solve the financing problem of small and medium-sized enterprises, thus promoting the development of China's real economy.
Based on the R&D capability of the financial technology system and the innovative B2B2C model, the roles of "bank, scenario and customer" were successfully opened and reconstructed by facing the "direct connection system" and the "online financial service" system tailored for the scenario. Through the system, financial services are implanted into various specific scenarios, so that financial services can directly meet customer needs in the scenarios.
Since its establishment, especially in the last two years, the company has developed rapidly. Through the system to help the banking business expand and the online loan B2B2C model to cover the scene, it has provided financing solutions for nearly 2 million small and micro enterprises, with a total loan of nearly 100 billion.
Borrowers can apply for loans with just a few clicks on their mobile phones. If the loan is approved, they can receive the funds almost immediately. The whole process takes only 2 minutes without any manual intervention, which is also called "online loan mode". Based on the Bank's leading risk control capability, the NPL ratio of these loans has been controlled at around 1% so far.
Through the online loan model, the approval rate of bank loans is four times higher than that under the traditional model. The processing cost of each loan is about 3 yuan RMB, which is much lower than the 2,000 RMB of traditional banks.
"It is really convenient to borrow money now", which is the sigh of customers who have experienced the online loan model. The customer's name is Liu Ling, and he is the owner of a local beauty and health shop in Chengdu, with annual sales of about 2 million RMB. For her, the online loan model has changed the rules of the game in the industry. After submitting an application on her mobile phone and getting approval, she can easily get a loan to meet her cash needs.
She said, "Whenever and wherever people are, I can do it online through my mobile phone." Unlike in the past, in order to get a loan, you need to run back and forth and run errands repeatedly to submit information. Previous people were on business trips in other places and could not apply; Now it's completely different, you can apply directly online no matter where you are; Then check the credit online, and go directly to the bank to take the money after the approval is successful. In short, for a small boss like me who often needs to travel and needs liquidity, the online loan model can always help a lot, which is both safe and convenient. "
Four, bank loan business innovation from what aspects?
About asset business
1, loan business innovation.
① Vigorously develop syndicated loans. To carry out syndicated loans smoothly, we must do a good job in at least three aspects: first, strictly control the project and contract, ensure the correctness of loan project selection, and make it clear that the expenses incurred by loans between banks and enterprises should be borne by banks and enterprises reasonably; The third is to standardize the responsibility and interest relationship between the lead bank and the participating banks.
② M&A loan. M&A loan is used for enterprise merger. Seed loans are not productive or commercial with ordinary enterprises, but are used for capital reorganization and enterprise realization. The object of this kind of loan is mainly M&A guarantee and mortgage for investment rather than speculation, which can be used by enterprises, but it usually takes about one year. For commercial banks in China, the prospect of developing M&A loans is broad.
③ Factoring loan (mortgage loan of accounts receivable). Factoring loan refers to a loan business model in which commercial banks provide financing to customers with accounts receivable as collateral. Here, the bank actually got the responsibility to collect the accounts receivable from customers. Because the bank undertakes additional loans, it usually charges customers with higher loans a smaller proportion of the book value of accounts receivable; Credit analysis is the main measure to prevent this kind of risk.
2. Investment business innovation
(1) Improve the way of purchasing government bonds. It is recommended that the decision-making department.
2 buy corporate bonds. Industrial bonds may encounter credit risk, that is, enterprises that issue bonds cannot pay the bonds in full and on time at maturity. The main way to solve this risk is to strengthen the analysis of the credit status and future development prospects of bond issuing enterprises.
(3) Investing in asset-backed securities. With the deepening of financial reform, asset securitization will be widely carried out in China. Therefore, loans and other asset-backed securities will be continuously introduced.