Minsheng Bank's small and micro loans need to be approved and registered by the administrative department for industry and commerce, have independent legal personality, can conduct independent accounting, open a basic deposit account, and the paid-in capital is not less than the registered capital.
Enterprises have good repayment ability, and the asset-liability ratio should be reasonable, and the asset-liability ratio should not exceed 70%. Enterprises have sustained profitability and stable market competitiveness.
Enterprises must have good credit.
I. Small and micro loans
Micro-loan is an application of IOS platform, with a software size of 3.9MB. It is a mobile phone application specializing in micro-loan research, promotion and membership promotion in China.
Small and micro loans focus on providing enterprises and individuals with all-round information and professional services for commercial loans.
Second, loans.
A simple understanding of a 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 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.
What are the conditions for Minsheng Bank's small and micro loans?
Minsheng Bank's small and micro loans are mainly for individual industrial and commercial households, small and micro private enterprises, small and micro private entrepreneurs or actual controllers. The maximum amount of small and micro loans for single households is 5 million. Then, what conditions does Minsheng Bank need to make small and micro loans?
1. The borrower must be a member of a mutual fund organization cooperating with Minsheng Bank, and the fund manager must agree to provide guarantee for it;
2. The borrower has full capacity for civil conduct, has certain work experience and industry experience, and has good corporate credit and operating conditions;
3. In principle, the borrower has a permanent residence or valid residence status in the town under the jurisdiction of the credit bank, and has a fixed residence and production and business premises;
4. The borrower has a good credit record, no bad habits, no major private lending behavior and no major economy;
5. Meet other conditions stipulated by Minsheng Bank for small and micro loans. For details, please refer to the Measures for the Administration of Credit Granting to Merchants of China Minsheng Bank.
If there is no guarantee, then applying for small and micro loans from Minsheng Bank needs to provide mortgage or pledge. Mortgage includes real estate mortgage, and there are many ways of pledge, including accounts receivable pledge, lease right pledge, movable property pledge and so on.
How did Minsheng Bank borrow money?
First, the specific qualifications of Minsheng Bank loan are:
1, with full capacity for civil conduct, and the borrower and his family have no bad credit records;
2. Own or control business entities such as individual industrial and commercial households and small and medium-sized enterprises. , and the business entity has no bad credit record;
3. Family net assets are not less than 500,000 yuan in kind, such as houses and cars without loans;
4 engaged in production, operation and investment activities (including contracting and leasing activities), in principle, it is necessary to have more than three years of work experience in this industry, have a fixed business place at the location of Minsheng Bank and have been operating continuously for more than two years (inclusive);
5. In principle, it is necessary to have a permanent residence or valid residence status in the town where the Minsheng Bank institution is located, and have a fixed residence;
6. A personal settlement account has been opened in Minsheng Bank, and the borrower's business entity has an enterprise settlement account in Minsheng Bank.
Two, banks in handling loan business, especially cautious, pay attention to prevent and control loan risks. Because the investment guarantee company has certain guarantee funds, it has strong compensation ability and the credit rating of the guarantee institution is high.
Third, small and medium-sized enterprises can effectively share the loan risk of banks, which is conducive to enhancing the confidence of banks in lending to small and medium-sized enterprises, thus solving the problem of difficult loans for enterprises and banks, promoting financing and effectively promoting the development of the national economy.
Extended data:
As an intermediary, guarantee institutions play a bridge role. It not only acts as a bridge between banks and enterprises, but also examines enterprises, supervises enterprises and goes through relevant procedures on behalf of banks, thus actively and effectively serving banks and enterprises, giving them more manpower, financial resources and time to develop other businesses, thus effectively promoting their development.
It can be seen that the establishment of the guarantee system enables small and medium-sized enterprises to have a stable and reliable credit system, which is conducive to solving the problem of difficult loans for small and medium-sized enterprises to a certain extent and helping them alleviate the financial pressure. At the same time, it can help banks achieve the overall business objectives according to the "three characteristics" management principle of loans, and make bank loans safer and more effective.