Micro-enterprise loan, micro-enterprise loan: Enterprise fixed assets loan refers to the medium-and long-term loans granted by banks to borrowers for investment in fixed assets projects. According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan: 1. Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. 2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises. Enterprise mortgage loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Term of enterprise loan: generally 65,438+0-2 years. Enterprise loan amount: 65,438+100,000 ~ 500,000 yuan. Corporate loan target: industrial and commercial registration, well-run small and medium-sized enterprise customers. Term of corporate loan: generally 65,438+0-2 years. Enterprise loan amount: 65438+100,000 ~ 500,000 yuan. Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Term of enterprise loan: generally 65,438+0-2 years. Enterprise loan amount: 65,438+100,000 ~ 500,000 yuan. Need a third-party guarantor with higher credit than the borrower.

2. What conditions do small and micro enterprises need to apply for loans?

An enterprise application shall meet the following conditions:

3. What are the conditions for small and micro enterprise loans?

Conditions for applying for small business loans:

1. An enterprise legal person with annual business license, organization code certificate and tax registration certificate and full capacity for civil conduct;

2. Holding a loan card issued by the People's Bank of China (or handling it in our bank);

3, the financial system is relatively standardized, and it can provide the financial statements of the previous year (preferably audited by an accounting firm);

4. Production enterprises or trading enterprises with good development prospects;

5. Good reputation, ability to perform contracts and repay debts, and no bad credit record;

6. Have a fixed domicile and business premises, operate legally, and the products have a market and benefits;

7. The guarantee method of financing is mortgage or pledge. Collateral includes houses, commercial houses, production houses and state-owned land use rights. Pledges include certificates of deposit in local and foreign currencies, bank acceptance bills, life insurance policies with cash value, national bonds that can be transferred according to law or commodities that meet the access conditions of the Bank.

8. Loans shall be used for the needs of production and operation, and loan funds shall not flow into the securities market and futures market in any form, nor be used for equity investment or real estate project development, nor for borrowing to seek illegal income, nor for projects explicitly prohibited by laws and regulations of other countries.