Question 1: Can banks handle loan cards? If it reaches a sufficient credit rating, it can do it.
Question 2: Which bank can apply for a loan with a loan card? Go to that bank.
Bank card processing flow:
1. Bring your ID card and a small amount of cash to the bank branch;
2. Fill in the form with the assistance of the staff in the bank lobby;
3. Take the number and queue up, and copy the ID card with the assistance of the staff;
4. Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits, so remember it after setting it. This is the password for future withdrawals;
You will get a bank card after all the formalities are completed. If you apply for online banking at the same time, you will also get a secret card or U shield.
6. After completing the card, take your own things and leave.
Question 3: What about the loan card of China People's Bank?
Loan card issuance approval:
1. Copy or original of Business License of Enterprise as a Legal Person, and copy and original of Registration Certificate of Public Institution. Other borrowers shall provide copies of valid certificates and present the original.
2. Copy of People's Republic of China (PRC) organization code certificate and show the original.
3, national tax, local tax "tax registration certificate" copy and show the original.
4. An enterprise as a legal person shall provide a copy of the registered capital verification report or other proof materials of the source of registered capital, and institutions or private non-enterprise units with legal person qualifications shall provide proof materials of the source of funds.
5. A legal person enterprise shall provide a copy of the articles of association and present the original, and a foreign-funded or joint venture enterprise shall provide a copy of the approval certificate and present the original.
6. The balance sheet, profit and profit distribution table of the previous year or last month before the corporate enterprise receives the card, and the financial statements of the institution in the previous year.
7, the legal representative, the person in charge or agent, the person in charge of finance identification (ID card, foreign passport, home visit permit, etc.). ) copy and resume certification materials.
8. An unincorporated enterprise provides a power of attorney for applying for a loan card issued by a legal person enterprise or a superior competent authority.
9. A copy of the ID card of the agent and show the original.
10, application form for Beijing enterprises and institutions to join the basic database of enterprise credit information.
1 1, the basic information entry template of the borrower and the financial statement entry template of the borrower or the information entry template of the small and medium-sized enterprises.
12, other materials required by the People's Bank of China.
Question 4: Does the bank have a loan card? 1. Project name: loan card issuance approval.
Second, the compilation basis
Decision of the State Council municipality directly under the central government on establishing administrative license for administrative examination and approval items that really need to be retained (the State Council Decree No.412)
Measures for the Administration of Bank Credit Registration Consultation (Yinfa [1999] No.281)
Third, the application conditions
(1) The loan card refers to the magnetic stripe card issued to the borrower by the branch of the People's Bank of China at the place of registration, which is the qualification certificate for the borrower to apply for credit business from various financial institutions.
Credit business refers to loans, guarantees, bank acceptance bills, letters of credit, guarantees and other businesses that reflect the borrower's use of credit.
The borrower refers to an enterprise (institution) legal person or other economic organization that handles credit business with a financial institution engaged in credit business.
Financial institutions refer to institutions established in People's Republic of China (PRC) (China) according to law and engaged in financial business, including banks, credit cooperatives, trust and investment companies, finance companies and financial leasing companies.
(two) borrowers engaged in credit business in financial institutions should apply for a loan card to the branch of the People's Bank of China where they are registered. The loan card is held by the borrower and used nationwide.
Borrowers can apply for a loan card. Credit card code is unique.
Four. Application material
(1) A copy of the business license of an enterprise as a legal person or a copy of the business license and present the original, a copy of the registration certificate of a public institution and present the original, and other borrowers provide copies of their valid certificates and present the original.
(2) An enterprise as a legal person shall provide a copy of the registered capital verification report or proof of the source of the registered capital.
(three) the identity certificate of the legal representative, responsible person or agent (ID card, foreign passport, home visit permit, etc.). ) copy and resume certification materials.
(4) Copy of People's Republic of China (PRC) organization code certificate and show the original.
(5) The balance sheet, profit and loss statement and list of loan households of the legal person enterprise one year or last month before obtaining the license.
(six) other materials required by the branches of the People's Bank of China.
Verb (short for verb) allows programs.
After accepting and examining the borrower's application for administrative license, the branch of the People's Bank of China considers that the borrower's application materials are complete and meet the statutory conditions and standards, and shall issue a loan card to the borrower. When the borrower receives the loan card, he should also set the password of the loan card. The loan card will take effect after the People's Bank of China gives the loan card code and the borrower's confirmation password.
Basis and standard of charging intransitive verbs
There is no charge for credit cards.
Seven. Promised processing time
After accepting and examining the borrower's application for administrative license, the branch of the People's Bank of China considers that the borrower's application materials are complete and meet the statutory conditions and standards, and shall issue a loan card to the borrower within five working days.
Eight. Approval organizer and contact information
Credit Management Department of China People's Bank Branch.
Question 5: What information does an enterprise need to apply for a bank loan card? Materials to be submitted for handling the loan card business.
Loan card issuance approval:
1. Copy or original of Business License of Enterprise as a Legal Person, and copy and original of Registration Certificate of Public Institution. Other borrowers shall provide copies of valid certificates and present the original.
2. Copy of People's Republic of China (PRC) organization code certificate and show the original.
3. Copy of tax registration certificate of national tax and local tax and show the original.
4. An enterprise as a legal person shall provide a copy of the registered capital verification report or other proof materials of the source of registered capital, and institutions or private non-enterprise units with legal person qualifications shall provide proof materials of the source of funds.
5. The legal person enterprise shall provide a copy of the articles of association and present the original, and the foreign capital or joint venture shall provide a copy of the approval certificate and present the original.
6. The balance sheet, profit and profit distribution table of the previous year or last month before the legal person enterprise obtains the license, and the financial statements of the institution in the previous year.
7 copies of identity certificate (ID card, foreign passport, home visit permit, etc.). Resumes and certification materials of the legal representative, responsible person or agent and financial controller.
8. An unincorporated enterprise provides a power of attorney for applying for a loan card issued by a legal person enterprise or a superior competent authority.
9. A copy of the ID card of the agent and show the original.
10. Application form for Beijing enterprises and institutions to join the basic database of enterprise credit information.
1 1. Borrower's basic information entry template and borrower's financial statement entry template or SME information entry template.
12. Other materials required by the People's Bank of China.
Loan card extension (annual review):
1. Copy or original of Business License of Enterprise as a Legal Person, and copy and original of Registration Certificate of Public Institution. Other borrowers shall provide copies of valid certificates and present the original.
2. Copy of People's Republic of China (PRC) organization code certificate and show the original.
3. Copy of tax registration certificate of national tax and local tax and show the original.
4. The balance sheet, profit and profit distribution table of the legal person enterprise in the previous year and the financial statements of the institution in the previous year (if you have not participated in the annual review for many years, please submit the balance sheet, profit and profit distribution table of the year that you did not participate in the annual review, and each report should be stamped with the official seal and the seal of the legal representative).
5. A copy of the ID card of the agent and show the original.
6 Beijing enterprises and institutions loan card renewal (annual) application form.
7. The basic information entry template of the borrower and the financial statement entry template of the borrower (if you have not participated in the annual review for many years, please submit the financial statement entry template of the borrower in the year that you did not participate in the annual review).
Credit card information change:
Changes in loan card information include:
1. Change of borrower's name; 2. Change the registered address; 3. Change the business scope; 4. Changes in industry classification; 5. Change after the registration certificate expires; 6. Change the password of the loan card; 7. Changes in organizational forms; 8. Changes in registered capital or start-up capital (limited to enterprises and institutions with legal personality and private non-enterprise units with legal personality); 9. Changes in investors and investment amount (limited to corporate enterprises and institutions); 10. Change the legal representative, general manager or the person in charge of the unit and the person in charge of finance.
1. 1-5 The following materials shall be submitted for information change:
(1) Submit the Business License of Enterprise as a Legal Person, Business License of Enterprise without Legal Person and Registration Certificate of Institutions and Other Organizations, all of which are photocopies, and show the originals; (2) A copy of the organization code certificate and show the original; (3) A copy of the ID card of the agent and show the original; (4) Loan card and loan card information change application form.
2.6— 10 information change shall be submitted in addition to the above materials. ......
Question 6: Hello, how to apply for a loan card: 1. To apply for a loan card, you must hold the original valid business license (the institution holds the original valid business legal person registration certificate) and the original valid code certificate (or the electronic version of the code certificate, that is, ic card). Apply to the credit management department of the local people's bank and get a "loan card application". Branches without legal person qualification: in addition to the documents listed in the preceding paragraph, a power of attorney issued by a superior legal person and notarized by a notary office shall also be submitted. [The power of attorney shall include: (1) agreeing to handle the loan card of the lower branch; (2) Commitment to assume the debt repayment responsibility when the lower institutions are unable to repay the debts of financial institutions. ]2. Fill in the loan card application form and the relevant forms of the loan card application form, which shall be truthfully filled out by the enterprise (unit) legal person or financial person in charge. The legal representative, the person in charge of finance and the person in charge of filling out the form shall sign at the designated place respectively (not on their behalf) and affix the official seal of the enterprise (unit). When filling in all relevant forms, first of all, you should carefully read the instructions and requirements at the bottom of each form. All columns should be filled in with evidence, and you can't fill in them at will based on subjective impressions. 3. Submitting for review: The applicant submits the following documents (materials) to the relevant departments of the People's Bank of China for review: (1) A valid copy of the business license or business license or registration certificate of an enterprise as a legal person, with the original; (2) A valid copy of the organization code certificate and show the original; (3) A copy of the valid national tax registration certificate and local tax registration certificate, and show the original; (4) A valid copy of basic deposit account's account opening permit, and show the original; (5) Copies of identity documents, education certificates and resume materials of the legal representative (person in charge), general manager, chief financial officer and other senior management personnel. (6) Copy of the latest capital verification report of the enterprise, or the property right registration certificate of state-owned assets or the certificate of capital contribution (domestic-funded enterprise), and present the original (Note: if the name of the above documents is inconsistent with the name of the enterprise, submit the change certificate of the industrial and commercial department, submit the copy of the equity transfer agreement and present the original). (7) A copy of the code certificate of each investor and a copy of the identity certificate of each natural person in the enterprise capital composition table. (8) Proof of the enterprise's foreign investment [such as the capital verification report of the invested company, the articles of association of the invested company (without capital verification) or the capital contribution certificate, etc.]. ], and a copy of the code certificate of each invested company. (9) Copy of the code certificate of the parent company (group company/parent company). (10) A copy of the balance sheet, profit and profit distribution statement and cash flow statement of the enterprise at the end of last year. Each page of the report must be stamped with the official seal of the enterprise. [Institutions, unincorporated enterprises, individual industrial and commercial households, etc. No need to submit financial statements] (1 1) A copy of the ID card of the applicant. (12) The enterprise (institution) downloads the new loan card entry template through the "Financial Services" (double-click) window of the local website. If it is a small and medium-sized enterprise that has entered the enterprise credit information system of the People's Bank of China, it is necessary to download the updated SME template. Enterprises (units) will input relevant information and data one by one according to the downloaded electronic template (Excel file), and copy the electronic documents with a U disk and submit them to the People's Bank of China after verification is accurate and balanced. 4. Handling: The People's Bank of China will examine whether the applicant is qualified to handle the card according to the provisions of the Administrative Licensing Law and the Measures for the Administration of Loan Cards and the materials submitted by the applicant. The People's Bank of China will register the qualified applicants in the computer system, import the information and data of the applicants into the system, and issue loan cards within five working days according to the regulations. Applicants can set passwords for their loan cards to protect the information security of their financial liabilities. Note: All the above copies must be copied on A4 paper and stamped with official seal.
Question 7: How to use the loan card from China People's Bank? It's useless to you. The bank loan has nothing to do with your loan card. The People's Bank of China gives you a loan card mainly to give your enterprise a credit account. The banking system has an intranet. They can log in to the credit information system of the People's Bank of China and input your corporate loan. You can know the historical credit status of your own enterprise, how many loans you have, whether you have paid them back, and whether you have external guarantee information. You borrowed money from the bank anyway. The bank will upload your loan information to the credit information system, and other banks can log in to the credit information system and enter your company's loan to find the loan. You can only leave a copy of the loan card to the bank for basic information, and you still have to talk to the bank about the specific loan matters.
Question 8: Can an individual apply for a bank loan card? Which bank can do it? At present, there are many credit card issuers in various banks. According to different customer groups, the emphasis on personal credit requirements is different, specifically
Requirements are different, but some basic conditions are the same:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
. If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse.
The following conditions must be met:
1, a natural person with complete or limited capacity for civil conduct.
2. At least 13 years old.
3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.
It should be noted that some cards are not available to everyone, and there are some special requirements for cardholders. For example: CITIC Bank Magic
Credit cards can only be applied by women.
B. Relevant credit certificates required by the applicant:
First, we should fully prepare all kinds of asset certificates. Generally speaking, if you already have one or more credit cards and have repayment records.
Ok, then generally you don't need to provide proof of income or assets, just copy the credit card you already have when you apply, and follow the application.
Just send the form (even if the credit card you have is not the card of the application bank, because all banks can go through the central bank)
Personal credit information system checks your credit situation. Good consumer credit and repayment credit are the most important for banks.
If you apply for a credit card for the first time, the bank mainly depends on your income, because you don't have any consumer credit history.
Production status, decide whether to give you a card and the size of the credit line. Generally speaking, if you apply for a credit card for the first time, the amount will be
Not too high, unless you can provide enough proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase and proof of car ownership.
Proof, bank deposit certificate or securities certificate, etc. Of course, in addition to the asset certificate, there are other certificates that can prove your personal ability.
Books will also help you get high-value credit cards, such as academic certificates, technical grade certificates and other qualification certificates.
Second, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the credit evaluation score of the bank (
The higher the credit score, the higher the probability of obtaining credit card approval and the higher the credit limit): 1. Is there a fixed telephone number in this city (yes)
The fixed telephone in this city means that your residence is stable, which will increase the credit evaluation score of the bank); 2. whether to get married (marriage is better than not getting married)
Marriage score is higher); 3. Whether it is a local account (the score of local account is higher than that of foreign account); 4. Do you have a house
The score of owning a house is higher than that of not owning a house, and the score of living with parents is higher than that of living with parents); 5. Education (the higher the education, the higher the score); 6.
The nature of the work unit (the more stable the work unit, the higher the popularity and the higher the score. For example, institutions, large state-owned enterprises, the world's top 500.
Some enterprises score higher, while unknown private enterprises and small foreign enterprises score lower); 7. Position status (the higher the position, the higher the score.
The higher the score. For example, civil servants and company managers score higher than ordinary employees). The wind blows over the moon, and the shadows turn, for reference only.
Question 9: What information do I need to apply for a loan card at the People's Bank of China? The information required to apply for a credit card is as follows:
(1) Required documents
1, ID card
Domestic residents: a copy of the applicant's identity certificate or military officer's card.
Overseas residents: (Both A and B must be provided)
1. Hong Kong and Macao residents shall provide copies of their return certificates, Taiwan Province residents shall provide copies of their passports, and other foreigners shall provide copies of their passports.
B. Copy of domestic residence certificate or temporary residence permit
2. Proof of work and receipt
A. Work certificate: copy of work permit or work identity certificate or original work certificate stamped with the official seal of the unit.
B proof of income: the last three months' payroll record issued by the bank (copy of the payroll card statement) or the copy of the personal income tax withholding certificate or the original proof of income issued by the unit.
(2) Other supporting documents (please provide as much as possible, which will help to increase the credit limit).
Education, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, copy of bank time deposit certificate, telephone number of current residence in the last three months, original water, electricity and gas bills, and other bank credit card documents (original statements of the last three periods), etc.
Question 10: Is it true that an enterprise only has one loan card, which is universal in all banks? Each enterprise can only apply for a loan card, which will be used when making a loan. But the codes are different in every place.
The loan card shall be handled by the People's Bank of the place where the enterprise is located. Loan cards are only used when banks or companies lend money to improve work efficiency. You can't get a bank loan without this. The loan card should not be used nationwide, but the borrower's qualification certificate for applying for credit business from financial institutions.
The function of the loan card is that if your enterprise wants to borrow money in the future, the important tips are as follows: 1. Project name: loan card issuance approval; 2. The establishment is based on the Decision of the State Council Municipality on Setting Administrative License for the Administrative Examination and Approval Items that Really Need to Be Retained (the State Council Order No.412) and the Administrative Measures for Bank Credit Registration Consultation (Yinfa [1999] No.2899). Hello, if not, take the client's power of attorney to the People's Bank. Require the concepts of annual examination of business license, organization code certificate and credit card: In order to standardize the management of credit card business, it seems to be a qualification to ask customers to provide loans and passwords when inquiring about their credit cards. Check the loan card system. Please download the Application Form for Beijing Enterprises and Institutions to Join the Basic Database of Enterprise Credit Information and the Information Entry Template for Small and Medium-sized Enterprises through the Internet, which will be uniformly distributed and managed by the local People's Bank.
An institution that applies for loan card materials from the Internet. In addition, most financial institutions have ID and password when logging into the loan card system. Only when they have a loan card can they apply for a bank loan and then fill out a form. Usually useless enterprises must have a loan card issued by the People's Bank of China.
Note: 1. The loan card is a magnetic card issued to the borrower by the People's Bank of China where it is registered. Other lenders shall provide copies of their valid certificates and present the originals. If you check it often. Please send a template of materials and data to be submitted. Handling a loan card has nothing to do with the tax return method, and personal credit records have nothing to do with it. The annual inspection of our loan card is to see if your basic situation has changed. You just need to fill in the form truthfully. 1. What materials do I need to apply for a People's Bank loan card? 1. A copy of the business license of an enterprise as a legal person or a copy of the business license and show the original, which is very simple. The credit card records the code and password of the credit card. Fill in and prepare the application materials. A copy of the institution registration certificate and produce a copy of the original,
How to apply for a loan card?
Before handling the credit business for the first time, the borrower shall apply to the branch of the People's Bank of China (Jinan is located in the business management department of Jinan Branch of the People's Bank of China) where it is registered. The applicant submits a written application in accordance with the format text of the loan card application formulated by the People's Bank of China, and submits the following materials: (1) a copy of the valid business license, a copy of the legal person certificate of the institution or other registration certificates, and presents the original; (2) A valid copy of the organization code certificate of People's Republic of China (PRC) and present the original; (3) A copy of the valid tax registration certificate and show the original (except for units that do not need to apply for a tax registration certificate according to law); (4) A copy of the identity documents of the legal representative, general manager or person in charge and financial officer of the unit; (5) A copy of the ID card of the agent and show the original; (6) Other materials as stipulated by the People's Bank of China. If the applicant is an enterprise legal person, in addition to the above-mentioned materials, it should also submit: (1) a copy of the proof of the source of registered funds and show the original; (two) a copy of the identity certificate of the main investor or a copy of the organization code certificate of People's Republic of China (PRC); (3) the balance sheet, profit and profit distribution table of the previous year and last month when the enterprise as a legal person applied for the loan card. If the applicant is a legal person, in addition to the materials listed in the first paragraph, it shall also provide a statement of the financial income and expenditure of the previous year when the legal person of the institution applies for a loan card.
How to handle a bank loan card?
Enterprises that need loans must apply for loan cards. Without a loan card, banks can't give loans to enterprises. Loan card to the local people's bank for processing.
First, the table:
General situation: the enterprise holds the original valid business license (the institution holds the original valid enterprise legal person registration certificate) and the original valid code certificate (or the electronic version of the code certificate is an ic card). Apply to the credit management department of the local people's bank and get the loan card application report.
Two. Fill in the form: the legal person or financial person in charge of the enterprise (unit) shall truthfully fill in all relevant forms.
3. Inspection: The applicant shall prepare the following documents (materials) to be submitted and send them to the relevant departments of the People's Bank of China for verification.
How to apply for a loan card?
Different types of borrowers need to bring the following documents to the People's Bank to apply for a card:
1, enterprise card guide
(1) loan card application form;
(2) The original and photocopy of the Business License for Enterprise as a Legal Person or the Business License (limited to the unincorporated enterprise authorized by the legal person enterprise) that has been inspected annually in that year;
(three) the original and photocopy of the People's Republic of China (PRC) organization code certificate of the annual inspection;
(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;
(five) the original and photocopy of the capital verification report of the registered capital of the enterprise or the proof of the source of the registered capital;
(6) The balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;
A copy of the ID card of the legal representative;
(8) A copy of the ID card of the senior management;
(nine) a copy of the identity certificate of the shareholders;
⑽ Original and photocopy of the ID card of the agent;
⑾ Original and photocopy of State Taxation Administration of The People's Republic of China tax registration certificate;
⑿ Original and photocopy of local tax registration certificate;
(13) Articles of association of the enterprise as a legal person;
14. If the legal representative is an overseas investor and authorizes domestic personnel to handle relevant matters with full authority, the enterprise shall carry the power of attorney in addition to the above information.
2, institutions, social organizations do card guide
(1) loan card application form;
(2) The original and photocopy of legal person registration certificate, and the original and photocopy of the approval from the institution or the superior;
(three) the original and photocopy of the People's Republic of China (PRC) organization code certificate of the annual inspection;
(4) The original and photocopy of the basic deposit account account opening permit issued by the People's Bank of China;
5. Balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal;
[6] Original and photocopy of the ID card of the agent.
3, the administrative organs to build office buildings, medical and health departments to buy equipment and other financing needs; Commercial community organizations approved by the civil affairs department, such as nursing homes; Village-level economic organizations and other institutions with organization code certificates shall go through the card collection procedures according to the institutions and provide the letter of intent for loans issued by financial institutions.
4. Securities companies that meet the conditions of borrowers in the Measures for the Administration of Stocks of Securities Companies; Operating financial institutions authorized by financial enterprises and legal persons approved to have secured business, etc. Please handle the card formalities according to the enterprise and provide the letter of intent for loan issued by the financial institution.
5, personal card guide
(1) If an individual acts as a guarantor to provide guarantee for enterprises and institutions, he must apply for a loan card.
(2) The applicant downloads the balance sheet, profit and profit distribution statement and cash flow statement on the website of the municipal government, and after copying the data, brings the following documents to the People's Bank of the place of registration to apply for a card:
① loan card application;
Original and photocopy of the household registration book;
③ Original and photocopy of ID card;
④ Letter of intent for loan.
The People's Bank of China will issue the loan card within five working days from the date of application after verifying the above information. The loan card shall be kept by the receiving unit or individual.