1. Case 1: Take a food company in Guangzhou as an example. Although the company has a good development space, it is still unable to obtain bank loans because there is no collateral. The company was established in 1992 with a registered capital of100000 yuan and about 300 employees. The sales network is stable, mainly producing some high-end foods, and it is the first brand of some high-end foods in South China. In recent years, enterprises have developed rapidly, with an operating income of about 80 million yuan in 2007. Is a typical growth of small and medium-sized industrial enterprises. In 2004, because the urban operating conditions could not meet the needs of enterprise development, we rented 60 mu of villagers' homestead for 50 years and built a modern production base of about 20,000 square meters. Due to the exhaustion and accumulation of relocation construction, the liquidity is tight, and the funding gap is about 6,543,800 yuan. The enterprise ran to several banks and had contact with foreign banks. Because it has no land title certificate, it can't provide legal collateral for banks. Although the cash flow is good, it still hasn't got a bank loan. 2. Case 2: Take an electrical appliance company in Zhongshan as an example. The company produces decorative electric fans, and the products are sold overseas through affiliated companies in Hong Kong, with annual sales of more than 60 million yuan and net profit of 10 million yuan. Expand reproduction and apply for loan financing from a number of state-owned banks. Because there is no good cash flow and credit record in domestic banks, enterprises have always been unable to obtain bank loans. From this company, we can find that banks attach importance to corporate credit records, which shows the importance and necessity of corporate credit construction. 3. Case 3: Take an electromechanical equipment company in Dongguan as an example. The company is a Taiwan-funded enterprise established in 1996, which mainly provides supporting products for domestic and foreign communication enterprises such as Huawei, Lucent, Siemens and Ericsson. Before 2002, the company never lent money to banks. Guangdong Development Bank Dongguan Branch provided a credit of 73 million yuan, and actually used 70 million yuan, leaving a funding gap of about 7 million yuan. We are trying to solve the difficulties. About 70% of the company's products are sold domestically and 30% are exported. Supporting products provided for Huawei account for about 50% of the company's total sales revenue. Huawei's annual sales revenue exceeds $20 billion, more than half of which is exported to the international market. Due to the decline in international market demand, Huawei's international sales have fallen sharply, which has greatly affected the company's production and sales. Up to now, there is still a backlog of 23 million yuan of products in the warehouse, which has caused the company's liquidity to be tight.

2. What are the basic rules of commercial bank loan business?

You'd better go to Baidu. Commercial loans, also known as individual housing loans, are loans provided by the People's Bank of China and the Housing Savings Bank using ordinary housing, and both of them have this business, such as China Construction Bank and Agricultural Bank. The loan application procedure also refers to the proportion of insurance in the guarantee balance of housing property guarantee institutions at the end of the statistical period. Edit the loan procedure in this paragraph. Commercial Loan Construction Bank issues individual housing loans to urban residents who buy their own houses. Conditions for applying for loans: Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, and overseas and foreign citizens must meet the following conditions when applying for loans: Having the ability to repay the loan principal and interest on schedule; Having assets approved by the lending bank for mortgage or pledge, or (and) having a house purchase contract or agreement that meets the requirements; When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; Other conditions stipulated by the lending bank. 2. Submit a loan application to the agency of China Construction Bank or the developer who signed the Cooperation Agreement with China Construction Bank, fill in the Application Form for Individual Housing Loan, and show the residence booklet, ID card or other valid proof of residence; B) proof of occupation and income; Buy a house; D) proof that the down payment accounts for 30% of the house price; E) Other materials required by the agency of China Construction Bank. 3. The law firm (or notary office) entrusted by the construction shall investigate the information provided by the borrower. O CCB handling machine o Borrower opens an account, gets a savings card and signs a loan contract. O Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. O borrow the developer's account. 4. The borrower repays the loan. The borrower repays the principal and interest of the bank loan during the loan period. O Borrowers can choose two ways: automatic deduction by computer or repayment by networked savings offices of loan banks, and repayment of loan principal and interest on a monthly basis; If it is really necessary to change or terminate the loan contract, it must be agreed by the loan handling bank, the borrower and all parties concerned through consultation, and a change contract shall be signed according to law. O If the borrower dies, is declared missing or loses capacity for civil conduct, and his heirs, guardians or legatees continue to perform the loan contract signed by the borrower, they shall sign a new loan contract and go through relevant formalities. O After the borrower repays all the loan principal and interest as agreed in this contract, the collateral or pledge is returned to the mortgagor or pledger, and the loan contract is terminated. China Agricultural Bank purchased affordable housing designated by China Agricultural Bank, and applied for a loan from China Agricultural Bank with the purchased house as collateral, paid part of the purchase price and repaid the principal and interest on a monthly basis. The loan amount can reach 70% of the house price, the longest term can reach 20 years, and the interest rate is fixed for one year. Edit this paragraph in three forms: 1, ordinary commercial loan (no need to use house purchase loan (the buyer's loan needs to be paid off, and regular guarantee is provided through the guarantee agency) 3, provident fund loan (too many procedures, too long time to get the money, relatively great risk to the seller) Edit this paragraph, and pay 30% of the house purchase price at the same time when handling the house contract; 2. Review of legal opinions on banks issued by law firms, mortgage contracts and guarantee contracts; 4. Go through the mortgage registration formalities according to relevant information and Jiabao Hehe. The borrower uses the equal repayment method to handle the funds. The borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. Do not accept all branches within the jurisdiction of the institution. Edit the commercial loan interest rate of this paragraph within the base month (inclusive) of 4.863.402 1 year) of 5.3 1 3.7175.4438+01to 3 years (inclusive) of 5.30000.000000000605 2. Have a sound financial management system; ? 3. The ratio of net assets to total assets of trading non-financial enterprises as legal persons shall not be less than15%; The ratio of net assets to total assets of non-transactional non-financial enterprises as legal persons shall not be less than 30%; 4. The sum of the balance of borrowed international commercial loans and external guarantees shall not exceed 50% of the foreign exchange equivalent of its net assets; 5. The sum of the balance of foreign exchange loans and foreign exchange guarantees shall not exceed the foreign exchange income of the previous year. Second, domestic enterprises borrowing medium and long-term international commercial loans must be approved by the State Planning Commission. The Interim Measures for Foreign Debt Management (Order No.28 of the Ministry of Finance and the State Administration of Foreign Exchange of the State Development Planning Commission, June 5438+ 10) stipulates that domestic Chinese-funded enterprises and other institutions must obtain the approval of the State Development Planning Commission to borrow medium and long-term international commercial loans. In other words, domestic-funded enterprises that meet the conditions of borrowing medium-and long-term international commercial loans need to apply to the State Planning Commission first to ensure that the medium-and long-term international commercial loans borrowed by them are included in the national foreign capital utilization plan. 3. The examination and approval procedures for handling financing conditions at the foreign exchange bureau have been cancelled, and domestic-funded enterprises can directly sign loan contracts first. The Notice of the State Administration of Foreign Exchange on Cancelling Transitional Policies and Measures after Administrative Examination and Approval of Foreign Exchange Management in Some Capital Projects (Huifa [2003] No.50) stipulates that the examination and approval of medium and long-term foreign debt financing conditions of Chinese-funded institutions in China shall be cancelled. After the cancellation of the corresponding examination and approval, Chinese-funded institutions can borrow medium and long-term foreign debts. It is no longer necessary to go to the foreign exchange bureau for examination and approval of financing conditions, but only to go through the foreign debt registration formalities one by one after signing the loan contract. ? The approval procedure for domestic enterprises to go to the foreign exchange bureau in advance for financing conditions was cancelled, which greatly saved the time for enterprises to go through the formalities and brought great convenience for domestic enterprises to borrow medium and long-term international commercial loans. However, this does not mean that the requirements for domestic enterprises to borrow medium and long-term international commercial loans are greatly relaxed, because the foreign exchange branch will strictly examine the borrower's loan qualifications when handling the foreign debt registration procedures one by one after signing the loan contract. In essence, the foreign exchange bureau's review of the conditions for domestic-funded enterprises to borrow medium and long-term international commercial loans is only adjusted to the process of registering foreign debts one by one after the signing of the loan contract.

Third, what are the reasons for the failure of CCB's loan issuance?

You should mean the quick loan, right? This year's expenditure failed for the following reasons:

First, the bank's loan line has been used up that day. Second, your credit is flawed and troublesome. Third, the total amount is relatively large, and it is difficult to extract at one time. You can withdraw it several times!

Fourth, the extraction method is wrong, such as bank error, name, phone number and ID card mismatch! There are only a few reasons.

Four, commercial banks short-term commercial loan business failure cases

Case analysis of loan risk classification: In July, 2005, Xinghu Import and Export Corporation applied for a loan of 50 million yuan from XX Bank to purchase export commodities. The bank issued the loan on July 15, 2006, and the AA-level enterprise provided the guarantee for one year, and the maturity date was July 15, 2006. After the loan expires, due to the borrower's poor operating conditions, it is impossible to repay the principal and interest in full and on time, so the loan is repaid from new to old, with a term of one year, and the maturity date is July 15, 2007. However, the guarantee enterprises are unwilling to continue to provide guarantees, and they are still handling credit loans under the condition that Xinghu Import and Export Company is appraised as a BB-level enterprise. In September 2007, the bank's loan analyst classified the risk of the loan and found that the loan was due again, the borrower's financial situation deteriorated, the net cash flow was negative150,000 yuan, and the loan principal and interest could not be repaid. Please briefly explain the problems existing in 1 loan management. XX bank. (at least four points) 2. What kind of risk classification can the loan in August 2006 be classified into? Please briefly explain the reasons. 3. What level should it be in September 2007? Explain why. 1 What are the problems in bank loan management? XX？ Please briefly explain. (At least four points) (1) In 2006, the enterprise suffered losses and could not repay the principal and interest in full; (2) If the enterprise does not provide guarantee, the credit rating will drop and the loan risk will increase; (3) The bank failed to effectively collect money; (4) Banks failed to effectively avoid loan risks. 2. In August 2006, what kind of risk classification can the loan be classified into? Please briefly explain the reasons. Subprime loan. There are obvious problems in the repayment ability of the company, and it is impossible to repay the principal and interest in full by relying entirely on its normal operating income. 3 in September 2007, which level should be set, and explain the reasons. Suspicious loan companies can't repay the loan principal and interest in full, even if the guarantee is implemented, it will cause great losses.