Legal analysis: you can't just lend money with a business license. Banks generally require loans to provide guarantees (mortgages). After your credit rating reaches a certain level, you can apply for a credit loan within a certain amount. If it is a credit loan application, the maximum loan can be 6.5438+0 million, and business owners and individual industrial and commercial households need to provide business licenses. Having a business license may not allow you to apply for a loan, but a business license is a necessary condition for an enterprise to apply for a bank loan. In other words, it is impossible for an enterprise to apply for a loan from a financial institution such as a bank only by virtue of its business license, and it also needs related conditions such as the operating conditions of the enterprise and the mortgage ability of the loan. Whether small and micro enterprises or large and medium-sized enterprises, they will encounter insufficient funds in production and operation and need credit support from financial institutions such as banks. However, when banks provide loans to enterprises that apply for loans, there are conditions. In particular, when small and micro enterprises, including individual industrial and commercial households, apply for loans from banks and other financial institutions, they also need to meet the following conditions on the premise of holding a business license: First, the enterprise has a fixed business place and fixed business projects. Banks and other financial institutions will go to the enterprise for pre-loan review before granting credit to the borrowing enterprise, and conduct interviews and communication with the production and operation personnel of the enterprise through field visits to determine whether the business premises and projects of the enterprise are stable and meet the credit conditions. If the enterprise applying for credit has no fixed business premises and projects, banks and other financial institutions will not provide credit for the enterprise, nor will they provide credit funds. After all, as a financial enterprise, it is very important for banks to control risks and recover loans when they are due.
Legal basis: Article 17 of the General Rules for Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity, who has the nationality of People's Republic of China (PRC) (People's Republic of China (PRC)) and has been approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit, and should meet the following requirements: 1. The borrower has the ability to repay the principal and interest on schedule, and has paid off the original loan interest payable and the loan due; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic deposit account or general deposit account has been opened. Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets. V. The borrower's asset-liability ratio meets the requirements of the lender. Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.