Small and micro enterprises such as Agricultural Bank of China generally need local policies to apply for interest-free loans and can only apply for interest-free loans. Generally, the amount of interest-free loans will not be too large. There is a financial discount during the loan period, and interest is needed for the extension. R interest-free loans generally have a clear division of labor among all departments, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. R To apply for an interest-free loan, the following conditions must be met: r The loan applicant must have certain repayment ability; R has legal business procedures and breeding certificate; R has fixed business premises, farms and certain self-owned funds; R Business projects are in line with national industrial policies; R personal credit is good.

Second, how do small and micro enterprises apply for interest-free loans?

Small and micro enterprises interest-free loan application process:

1, apply;

2. Conduct approval-project establishment-credit evaluation-feasibility analysis-comprehensive judgment-pre-lending review;

3. After reviewing the loan application, the bank considers that all the loans meet the requirements and agrees to the loan, and shall sign a loan contract with the lender;

4. After the loan issuance contract is signed, both parties shall verify the loan according to the contract.

Information prepared for the application:

1, enterprise's own business scale, financial payment analysis and trend forecast;

2. Cooperation needs, plans and suggestions;

3, product situation, market situation, enterprise development scale, the level of the same industry;

4. Enterprise loan card (copy);

5. Business license of enterprise as a legal person (annual inspection), qualification certificate of enterprise as a legal person, organization code certificate of enterprise, tax registration certificate, account opening license of basic bank, legal person ID card (all of the above are originals) and legal person resume;

6. Commercial bank business cooperation and enterprise internal financing:

7, the enterprise's financial audit report for three consecutive years, the latest financial statements (must be stamped with the official financial seal);

8. Articles of association, signatures of legal persons and authorized persons and power of attorney;

9. Basic information such as company profile and relevant background information;

10, Articles of Association, list of board members.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to the loan issued only by the borrower's reputation; Secured loans refer to secured loans, mortgage loans and mortgage loans; Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form. At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.

Three. The state supports interest-free loans for small and micro enterprises.

National support for small and micro interest-free loans is the main content of the State Council's Opinions on Supporting the Healthy Development of Small and Micro Enterprises;

financial support

First, the central government will expand the scale of special funds for small and medium-sized enterprises from 654.38+0.287 billion yuan to 654.38+0.4./kloc-0.7 billion yuan, and will increase the total scale of funds year by year;

Second, the central government arranged 654.38+0.5 billion yuan to set up a national SME development fund, which is mainly used to guide local and venture capital institutions and other social funds to support small and micro enterprises in the initial stage.

Financing guarantee service

First, guarantee institutions that mainly provide loan guarantees for small and medium-sized enterprises and whose annual new guarantee business amount reaches more than three times their net assets can continue to enjoy the preferential policy of exemption from business tax for three years;

Second, through the risk subsidies and premium subsidies of central financial funds, guarantee institutions are encouraged to increase the scale of small and micro enterprise guarantee business and reduce the guarantee fees of small and micro enterprises;

The third is to promote the development of re-guarantee institutions and strengthen their functions of diversifying risks and increasing credit.