1. What does the bank loan error code ESELPLN226 mean?

1: the bank loan error code ESELPLN226 indicates that the loan application failed because the applicant has too many outstanding loans.

2: the bank evaluates the loan applicant through the risk assessment model, and carries out risk assessment on the repayment ability of the applicant through the data such as the applicant's credit records and credit records. ESELPLN226 Error code indicates that the evaluation result found that the applicant had too many outstanding loans, which caused the loan application to fail.

3. If you want to apply for a loan, the applicant can improve his credit rating through the following measures:

1. Pay off the old debts in time and reduce the amount of outstanding loans.

2. Establish a good credit record, and timely repay credit card bills and pay utilities bills.

3. Improve income and stability, such as increasing income or signing long-term work contracts.

4. The error code ESELPLN226 may also mean that there are errors or errors in personal information, and you need to consult the bank or make corrections.

2. what are the contents of the revision of the CBRC's guidelines on M&A loans for commercial banks?

Hot cities: lawyer from Changsha Xisha Islands, lawyer from Fucheng County, lawyer from jimo city, lawyer from Qionghai and lawyer from jizhou city

M&A business has been developing in full swing since it was launched in China. Commercial banks also actively participate in this business, but some rules and regulations consider the reality of commercial banks' participation in M&A loan industry, relaxing the conditions for commercial banks to carry out M&A loan business. So what are the contents of the revision of the CBRC's guidelines for M&A loans for commercial banks? An explanation of this amendment is given below.

CBRC has relaxed the adjustment of commercial banks, including: increasing the term of M&A loans from 5% to 6% of the transaction price in five years; Cancel the Mandatory Guarantee of M&A Loans

The CBRC recently revised and issued the Guidelines on Risk Management of M&A Loans of Commercial Banks (hereinafter referred to as the Guidelines) issued in 28.

The so-called M&A loan refers to the loan issued by its subsidiaries to pay the price of M&A transactions.

the CBRC said that the revision focused on optimizing M&A financing services, aiming at improving the service level of M&A loans. Major amendments

1. Extending the loan period from 5 years to 7 years

According to Article 19 of the original Guidelines, the M&A Loan Association indicated that due to the complexity of integration of some M&A projects due to different M&A items, this revision extended the loan period from 5 years to 7 years, which is more in line with the actual situation.

second, increase it from 5% to 6%.

Article 18 of the original Guidelines stipulated that the proportion of M&A loans in the price of M&A transactions should not be higher than 5%. M&A is an important financing channel, so this adjustment will better meet the financing needs of mergers and acquisitions.

Third, the mandatory requirement of M&A loan guarantee will be cancelled

Article 25 of the original Guidelines stipulates that commercial banks cover the guarantee of M&A loan risk. In this revision, China Banking Regulatory Commission (CBRC) stipulated that the guarantee conditions for M&A loans must be higher than those for other types of loans, allowing banks to make further requirements for commercial banks according to the risk status of M&A projects and the credit status of the acquirer's enterprises. < P > In addition, while appropriately adjusting the conditions of M&A loans, CBRC also set up departments to make further requirements for commercial banks.

first, strengthen the prevention and control of financial leverage risk, reasonably calculate and determine the financial leverage ratio of M&A projects supported by M&A loans according to the operating and financial conditions, M&A financing methods and finance of both parties, and ensure that the sources of M&A funds contain a reasonable proportion of equity funds.

the second is to strengthen the prevention of false mergers and acquisitions. Strengthen pre-lending investigation, verify the authenticity of M&A transactions and the rationality of M&A transaction prices, strengthen the management of withdrawal and payment of loan funds, do a good job in monitoring the flow of funds, and prevent related enterprises from using false M&A transactions to obtain bank credit funds.

the third is to strengthen and improve the statistical system of M&A loans. Establish a statistical system for M&A loans according to regulatory requirements, and do a good job in statistics, summary and analysis of M&A loans.

It is not difficult to see that China's guidelines on M&A loans of CBRC commercial banks can meet the actual situation of M&A from three aspects, and can better meet the financing needs of M&A.. This will be more conducive to commercial banks to carry out M&A loan business. If you want to know more about it, you can consult Suzhou lawyers.

Further reading:

What is the definition of bank M&A loan? What are the conditions for bank M&A loans?

what is a bank m&a loan and what are its risks?

what are the specific changes in the ratio and term of M&A loans?

third, about bank loans!

well, if you can get a loan, you need mortgage to guarantee interest. It is very troublesome to get a loan, and there are many procedures. /yinhang/

IV. Guidelines for bank loans

This article mainly introduces new quick loan products. It is normal for businessmen to need loans with low capital cost. Every loan will check the credit information, so it is very necessary to know the product outline before applying, so that you can know fairly well, rather than blindly applying. If every bank tries its products, the loan may fail, but it will definitely hurt your credit. The product outline of new loans and fast loans, that is, the customer access conditions: natural endowment 1. There are insurance policies that have been paid more than three times. At present, * * * 11 insurance companies are supported. 2. The mortgaged house can be repaid for more than 12 months every month. It must be a commercial mortgage, but provident fund loans are not allowed. Credit investigation 1. The maximum number of inquiries in the last two months is three times. 2. The credit card usage limit in the last six months is less than 8% of the total credit card. There is no car of Ping An Bank to repay the loan. 4. The net loan amount under the name shall not exceed three, and the total loan amount shall not exceed 2, yuan. 5. If Pratt & Whitney has a loan. Whitney's name. That must be a bank loan. If it is a trust loan, it must be settled after half a year. 1. Prepare a Zhang Pingan savings card. If not, you need to prepare a first-class savings card for big banks such as China, agriculture and public security. 2. The original ID card, and the certificate is within the validity period. 4. Prepare three contacts. Choose one from your spouse or parents. Others can choose friends and colleagues. The most important thing is that you have a good credit report. You have no loan in Ping 'an recently, so remind you to answer the call. 5. The company's fixed line can be filled in selectively. If a big company suggests filling in a familiar financial or human resources department, you should also pay attention to the answer. 6. Quiet and enclosed space is the best place to prepare for video signing. 5. Fill in the basic information, company information and contact information item by item after brushing the credit line. 6. Think about the amount you need. Once it is fixed, it cannot be changed. There are 36 semesters. The use of funds has a business license to fill the business turnover. If not, choose photographic equipment. 1. After the loan is paid, pay attention to the standardized use of funds and don't enter the property market or the stock market. 2. Pay attention to repayment on time. Repay the loan on the 29th, 3th and 31st of each month, and pay it all on the 2th of the following month, and pay it all on the loan date of the following month at other times. 3. Settle in advance. You can settle accounts in advance at any time with a business license, and you can settle accounts in advance after 12 months without a business license. Related Q&A: Can Bank of China apply for suspension of repayment? China Bank cannot apply for extension of loan without special circumstances. In case of special circumstances, such as natural disasters, personal loans cannot be repaid on time, it can be negotiated with the Bank of China. For example, in an epidemic situation, the Bank of China allows eligible lenders to apply for deferred repayment. If your Bank of China is in loans overdue or will soon be overdue, but it is unable to repay, you can provide proof of inability to repay, such as proof of illness, proof of low-income households or related proof of natural and man-made disasters. After the application, the bank will consider it according to the actual situation. If the application is successful, the lender can choose a new repayment plan that suits him. Related questions and answers: How to handle the bank loan procedures? The unsuccessful loan will cause many people financial pressure. If you can successfully borrow from the bank, you will have to pay back the loan money on time every month, but at least you can buy a house and a car. How can ordinary people borrow money from banks? Getting a loan from a bank is certainly not that easy, and there are many procedures and procedures. Only those who have a certain economic foundation and financial resources can have a more secure loan success. The first step of a loan is to apply for a loan in a bank. The first step is for the borrower to submit an application. There are two types of applications, one is submitted online, and the other is submitted offline in the bank. Take the student loan for college students as an example. Every year, undergraduates can borrow up to 8, yuan in tuition and living expenses from the China Development Bank and apply in the official website of the China Development Bank. official website will have a corresponding form for you to fill in, which contains complete personal information, name, age, school, guardian's name, ID card and so on. After filling it out, download it and print it out in word form. Then take this document and go to the local designated place to handle it. Some places are handled by the Education Bureau, while others are different. The second type is to fill in offline. If you want to buy a house, a car or start a business, you need to borrow a lot of money, usually through offline application. Go to a bank, such as any of the five major banks. Fill in the complete information first. When applying, you need to fill in this information form and submit the corresponding materials. Have a household registration book, a copy of ID card, my education certificate, work income certificate, work unit certificate and so on. Be careful when filling in the information. If a number is wrong or a word is wrong, it may fall short. These materials have to be returned and redone, which is very troublesome. 2. Then carry out examination and approval, and finally notify the bank to conduct examination and approval after the result materials are submitted. It depends on whether the information you submitted is in line with your real situation and whether you lied about your working years and experience. Banks also have to go through a series of investigations and rechecks, and finally see whether your work experience and ability meet the requirements of loans and whether you are able to repay the loan limit. This series of approvals will take a lot of time, and the bank will inform you of the final approval results. If it is approved, the last step is to sign a loan contract. After signing the loan contract, it doesn't mean that everything is fine, but also how to pay the bank loan every month. If it is a college student loan, you can pay off the capital in one lump sum when you graduate, and you don't need to pay interest, but if you don't return it after graduation, you will have to charge interest. If it is a mortgage or car loan, you don't need to pay it in one lump sum. One-time payment will bring great pressure to the lender, and monthly payment is the best choice. To sum up, a person wants to get a loan from a bank. It is a good choice to solve the current economic pressure, but the loan may not be successful. The borrower must first submit an application, then the bank will recheck your personal information, and finally inform you of the result of the loan to see if it can be approved. After signing a loan contract with the bank, you must pay the money owed to the bank on time every month to ensure that there will be no problems with your personal credit information.