Conditions for handling fixed assets loans of China Bank:

1. The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law.

2. The borrower's credit status is good and there is no major bad record.

3. If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record.

4. If the state has requirements for investment subject qualification and business qualification for the project to be invested, it meets its requirements.

5. The loan purpose and repayment source are clear and legal.

6. The project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects as required.

7, in line with the provisions of the state on the capital system of investment projects.

8. Other conditions required by the lender.

The above contents are for your reference. Please refer to the actual business regulations.

Urgent need: a case study of financing difficulties? Who has this information?

Financing difficulty is a "roadblock" for the development of small and medium-sized enterprises. Since last year, due to domestic macro-control and tight monetary policy, a large number of small and medium-sized enterprises have fallen into operational difficulties. Since September, reporters have interviewed all over the province and collected a series of classic cases to solve the financing difficulties of SMEs. In July this year, an auto parts company with annual sales of nearly 10 million yuan in Zhenjiang New District was under too much pressure. Ms. Zhang, the person in charge of the company, turned to the nearby banks for help and asked all the banks, all of which were "the ticket was refunded in the first sentence". After learning this situation, Zhenjiang New District SME Investment Guarantee Co., Ltd. took the initiative to guarantee and quickly obtained a loan of 800,000 yuan from a bank. Zhenjiang New District, guarantee company, A-level guarantee institution, financial support, registered capital 1 100 million yuan. At present, it has signed guarantee cooperation agreements with five banks, providing 364 secured loans for 184 small and medium-sized enterprises, with a total amount of 907 million yuan. Jiang Jianing, the general manager of the company, told the reporter that the overall situation of financing difficulties for small and medium-sized enterprises is "loan difficulties", and the loan difficulties are largely due to "guarantee difficulties". The guarantee company funded by the government financial department can produce the effect of "four or two". The pilot project of the national credit guarantee system for small and medium-sized enterprises was launched in Zhenjiang. At present, there are 8 professional guarantee institutions/kloc-0 in this city, with a total registered capital of nearly 900 million yuan. Among them, government investment accounts for 3 1.5%, private capital accounts for 59% and foreign capital accounts for 9.5%. By the end of August, the guarantee balance was 654,380.2 billion yuan. Small and medium-sized enterprises in our province have a wide range and a large number. In 2007, the provincial government put forward the policy idea of using financial funds to support and promote loans for small and medium-sized enterprises. In August of that year, the Measures for the Management of Special Funds for SME Loan Risk Compensation was promulgated, and the provincial finance also established a special fund for SME loan risk compensation, which was earmarked for the risk compensation of loans issued by banking financial institutions in the province, and the municipal and county finances also provided it in proportion. Last year, new loans for small and medium-sized enterprises reached 654.38+0.08 billion yuan, saving the province's finances. For three consecutive years, Nanjing Municipal Finance invested 20 million yuan each year to compensate the risks and benefits of the guarantee industry. Changzhou invests 8.9 million yuan in the guarantee industry every year. Suzhou Guofa SME Guarantee Company, funded by Suzhou Municipal Government, has a total guarantee of nearly 8 billion yuan. The initial scale of the emergency mutual aid fund for small and medium-sized enterprises established in Nantong City is 30 million yuan, of which the government has invested 6 million yuan. In this year's budget, Yangzhou specially arranged 1 billion yuan of "economic development guidance and incentive funds", focusing on supporting the development of "double innovation", "three innovation" and "three innovation" industries. The municipal finance allocated 5 million yuan of special funds for 30 small and medium-sized enterprise projects in the city, and played a role as a bridge of guarantee center to help small and medium-sized enterprises with development potential win bank loans. Gaoyou Huamei Polypropylene Textile Co., Ltd. is a provincial high-tech enterprise. At one time, it was difficult to expand investment because of the shortage of funds. The guarantee center took the initiative to contact and helped the enterprise solve the loan of 5 million yuan. At present, the municipal guarantee center has provided guarantees for 83 small and medium-sized enterprises. By the end of August, the guarantee balance reached 330 million yuan, and the largest guarantee fund reached15.4 million yuan. Financial innovation "blood transfusion" reduces the burden, which is influenced by business scale, risk tolerance, credit mortgage ability, credit level and other factors. Small and medium-sized enterprises have always been "vulnerable groups" blocked by banks. In May this year, China Small and Medium Enterprises Association conducted a survey in our province, and found that more than 30% of small and medium-sized enterprises reported that financing was difficult and funds were tight. Faced with the urgent need for "blood transfusion" of small and medium-sized enterprises, since the beginning of this year, various banks in our province have stepped in one after another, and the financial service space has been significantly improved. In Mibai Town, Jiangyan City, the old liberated area, there is a self-raised Li Shuang packaging products factory, which has been in operation for 13 years, and its output value this year can reach 40 million yuan. When talking about loans, Director Zhu Yulin gushed: "In the past, if you wanted to get a loan, you had to find a guarantee first, and you had to prepare various financial statements, waiting for the bank loan to be reviewed, and it would take at least two months to get the loan." In March this year, I heard that Jiangyan Rural Cooperative Bank launched the "Sunshine Credit" project. Zhu Yulin immediately inquired, and the staff told him that "Sunshine Credit" implemented "one-time credit, on-demand loans, balance control and recycling". With the bank card, the credit enterprise can cycle the loan within the credit period and quota, and each withdrawal only needs to be handled at the counter, which is as convenient as deposit. To Zhu Yulin's surprise, the Mibai Sub-branch of Jiangyan Rural Cooperative Bank provided the factory with a credit of 654.38+500,000 yuan, and it took him only four days to apply for a loan from the bank. With a down payment of 800,000 yuan 10 day, he spent 700,000 yuan. After more than 20 days, he took out 500,000 yuan and returned it immediately, saving more than 20,000 yuan in interest alone. The operation mode of Suzhou Zhongxin Venture Capital Group has attracted people's attention from the beginning. Since last year, with the strong support of Suzhou Industrial Park, Sino-Singapore Venture Capital has given good financing support to start-ups that fail to meet the threshold of bank loans, especially some technology enterprises. First, a credit line was obtained from the bank through the guarantee company, which financed the bank funds to small and medium-sized enterprises that just entered the park and found it difficult to obtain loans from the bank. The second is to establish a unified loan platform to finance small and medium-sized enterprises. Up to now, they have financed 37.9 million yuan from more than 30 small and medium-sized enterprises in the whole region through the unified loan platform, and distributed a total of 49.5 million yuan, which has solved the capital needs of these enterprises. "CCB-Temasek" has become the "dark horse" of Zhenjiang SMEs' financing. This model is strategically cooperated by China Construction Bank and internationally renowned financial company Temasek/Fu Deng Financial Holding Company. The first pilot branch in China is CCB Zhenjiang Branch, and the amount of new loans this year is as high as 654.38+0.5 billion yuan. On September 8th, Danyang municipal government set up a platform, and hundreds of small and medium-sized enterprise bosses and financial bosses held face-to-face docking talks with the sales team of CCB-Temasek model, and got a "timely rain" with a total amount of more than 800 million yuan. According to reports, this model is mainly aimed at the characteristics of "short, frequent and fast" financial needs of small and medium-sized enterprises, simplifying the credit process in all aspects such as acceptance and evaluation, and shortening it from business acceptance to loan approval to 3-5 days; Inventory increase, accounts receivable pledge, etc. , the scope of collateral is wider. At the same time, it provides 20% credit loans to high-quality small business customers. The loan period of working capital can be up to 3 years, and the loan of fixed assets can be up to 5 years. Xinghua city Aierxin Food Co., Ltd. is an agricultural and sideline products processing enterprise, mainly engaged in dehydrated vegetables, more than 90% of which are sold to South Korea, Japan, the United States and other countries, with an annual output of more than 2,000 tons. A month ago, Tang Ailing, the boss of the company, signed a contract with a Korean customer for 600 tons of dehydrated pumpkin powder, but this big order also made her sleepless, because only the funds for purchasing raw materials needed more than 7 million yuan. I ran to the bank, found a relationship, and tried my best, but there was still 3 million missing. Half a month ago, Tang Ailing found Xinghua yongtai city Company, which was just established in July, with a try. Unexpectedly, Yongtai wrote back three days later and could lend her 3 million yuan with a term of half a year, and the interest was equal to that of state-owned banks. This made Tang Ailing overjoyed. In view of the fact that the financial organization system in rural areas is not perfect and the financial market competition is not sufficient, our province approved 9 cities and 20 counties (cities, districts) to carry out the organization pilot work, and Danyang Tiangong Huinong and Xinghua yongtai city were officially listed for business. It is estimated that by the end of 2008, 30 new rural companies will be established in the province with a total registered capital of about 3 billion yuan. The relevant person in charge of the Provincial Finance Office said that the establishment of rural organizations promoted the legal operation and standardized development of private lending, and also provided a new financing platform for SMEs. Talking about taking the lead in "testing the water" in the province, Wei Wangui, chairman of yongtai city, told reporters that many years ago, he set up a guarantee company. After he injected a certain amount of "guarantee money" into the bank, he specially provided guarantees for small bosses who were in urgent need of funds, helped small bosses to borrow money from the bank, and charged a certain guarantee fee. At the end of last year, the provincial government issued opinions on the company's pilot. "The government allows us to borrow directly and can legally charge a certain interest like a bank." Wei Wangui was deeply moved by the good news. He immediately contacted three corporate shareholders and submitted an application to the Provincial Finance Office in a very short time. On July 22nd this year, yongtai city Loan Company with a registered capital of 36 million yuan started business, with 8 employees, 5 of whom are engaged in financial work 18 or above. A boss in charge of business deliberately resigned from the vice president of a local bank to join. On September 9th, Mr. Liu, who runs a flower and plant company in Suzhou, came to Jiangsu Jinteng Pawn Company to borrow 500,000 yuan again, and completed all the formalities in less than 10 minute. This efficiency made him smile with satisfaction. In 2003, Mr. Liu became attached to the pawnshop, and then his career grew bigger and bigger. From the beginning of digging, flowers and trees companies, construction companies and real estate companies have been opened, with personal assets of nearly 654.38 billion yuan. In Jinteng Pawn Company, he borrowed more than ten times a year, with the amount ranging from 50,000 to 3 million. Mr. Liu's villa has been mortgaged in a pawn company for a long time, and he can borrow money at any time, and each procedure does not exceed 10 minutes. There are still many small and medium-sized enterprises like Mr. Liu who use pawn to do big business in Suzhou. Suzhou * * * manages 25 pawn shops, with a total pawn amount of nearly 5 billion yuan in 2007. As the largest pawn company in Suzhou, the SME loan business of Jinteng Pawn accounts for 96% of the total business, and it has pawn business dealings with more than 300 SMEs. Since the beginning of this year, the total amount of monthly pawn has approached 654.38+0.5 billion yuan, and the business volume has increased by 50% compared with the same period last year. Under the current economic and financial situation, many small and medium-sized enterprises in southern Jiangsu have adopted more flexible financing methods according to their own actual conditions. Suzhou Netscape Technology Co., Ltd. is a small and medium-sized technology enterprise, which takes up a long time in its operation. In order to deal with the problem of capital chain, they adopted the way of direct equity financing. Since February this year, they have added three investors and raised $3 million, which greatly eased the financial pressure.

Analysis on the difference between enterprise fixed assets loan and working capital loan

Analysis on the difference between enterprise fixed assets loan and working capital loan

What is enterprise fixed assets loan?

Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities.

What is an enterprise working capital loan?

Working capital loan is a loan issued to meet the short-term capital needs of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.

Requirements for fixed assets loans of enterprises (taking China Bank as an example)

1. Hold the business license of enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and the legal person of public institution holds the legal person qualification certificate;

2. Holding a loan certificate/card issued by the People's Bank of China;

3. The loan applicant has good economic benefits, good credit status, strong solvency and perfect management system;

4. Implement the guarantee approved by China Bank;

5. Open a basic account or general deposit account in China Bank;

6. Fixed assets loan projects are in line with national industrial policies and credit policies;

7. The proportion of funds stipulated by the state;

8. The project has been approved by the relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented;

9. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.

Requirements for working capital loans of enterprises (taking Bank of China as an example)

1. The borrower shall be an enterprise, institution, legal person and other economic organization registered with the approval of the administrative department for industry and commerce (or the competent authority), with a business license issued by the administrative department for industry and commerce and passed the annual inspection;

2. The borrower should accept our credit rating and meet certain requirements. Our bank will adjust and determine the access level from time to time according to the review needs, with specific reference to relevant regulations;

3. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;

4. The borrower has a sound management organization, qualified leaders and strict management system; The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;

5. Guarantee units recognized by banks provide guarantee or mortgage (pledge) guarantee;

6. The borrower opens a basic account or general account in China Bank; 7. Meet the requirements of other relevant loan policies of Bank of China.

The difference between fixed assets loan and working capital loan.

What do bank loans, development loans, fixed assets loans and enterprise mortgage loans mean? What's the difference? take for example

Development loan: especially a loan for developing real estate.

Fixed loans: loans used for investment in fixed assets, such as road construction, plant construction, equipment purchase and government investment in fixed assets.

Enterprise mortgage: the enterprise buys a house mortgage.

What are the requirements for a bank loan of 30 million yuan?

Take the fixed assets loan of Agricultural Bank of China as an example. You can apply for a loan by providing the following materials:

1, for projects invested by the government, provide approval documents for the approval of the competent authorities; For projects requiring government approval, provide the approval documents of the competent department; If it is necessary to provide a feasibility study report, provide a feasibility study report and approval documents issued by a qualified institution; For investment projects that need to be approved by the competent authorities, the approval documents of the competent authorities shall be provided.

2, involving environmental protection, provide environmental assessment report and approval documents, etc. ;

3, involving land, provide proof of legal procedures for construction land;

4, the implementation of capital and other construction and production funds plan and sources of funds;

5. Relevant guarantee materials;

6 other materials required for the investigation and evaluation of fixed assets loans.

Extended data:

The fixed assets loans granted by the Agricultural Bank to enterprises (institutions) or other organizations that can act as borrowers as stipulated by the state are used for the fixed assets investment of borrowers.

Fixed assets loans are divided into project financing and general fixed assets loans according to the different project operation modes and repayment sources; According to the purpose, it is divided into capital construction loans, renovation loans, real estate development loans and other fixed assets loans; According to the term, it is divided into short-term fixed assets loans, medium-term fixed assets loans and long-term fixed assets loans.