Shengjing Bank is a well-known city commercial bank with many credit products suitable for individuals or small and medium-sized enterprises. Today, let's take stock of what small and micro loans Shengjing Bank has, and business owners in need can learn about it.
1. Comprehensive credit for small businesses Comprehensive credit for small businesses means that Shengjing Bank grants a certain amount of credit to qualified small business customers at one time and agrees on the types of credit. Within the prescribed time limit, quota and conditions, customers can use the quota in several times according to business needs. Eligible credit lines can be recycled within the prescribed time limit. Advantages: It has the advantages of simple examination and approval procedures, flexible use of funds, complete business types and meeting different customer needs. 2. Definition of real estate mortgage loan: Real estate mortgage loan is a small and micro enterprise financing business that provides real estate mortgage to Shengjing Bank, and it is applicable to enterprises with qualified collateral under its name. Advantages: simple procedures, high approval efficiency, and effective solution to the financing needs of small enterprises. 3. Definition of corporate mortgage loan: Corporate mortgage loan is a financing business that Shengjing Bank issues to small and micro enterprises to purchase real estate needed for production, operation and storage, and uses the purchased real estate as collateral. Advantages: The method of repayment and interest payment is flexible, which avoids the financial pressure of centralized repayment, and ensures the normal operation of working capital of enterprises while supporting the expansion of enterprises. 4. Definition of bank acceptance bill acceptance: Bank acceptance bill acceptance refers to the bill behavior of Shengjing Bank, which promises to unconditionally pay the amount of the bill to the payee or holder on the due date of the bill according to the application of the acceptance applicant. Advantages: saving financing cost, strong liquidity and high flexibility. Increase the capital flow of small enterprises. 5. Definition of bank acceptance bill discount: Bank acceptance bill discount refers to a credit business in which the holder transfers the unexpired bank acceptance bill endorsement to Shengjing Bank, and Shengjing Bank pays the balance of the bill to the holder after deducting the discount interest according to the discount rate. Advantages: It solves the cash demand of small enterprises and improves the market competitiveness.
2. What are the types of small and micro enterprise loans?
What are the types of loans for small and micro enterprises?
1, small and micro enterprises can apply for intellectual property rights and standard warehouse receipts. An enterprise as a legal person may also apply for personal treasury bonds, certificates of deposit, bank notes, etc.
2. Mortgage loan. Small and micro enterprises can apply for mortgage loans with enterprise factories, machinery and equipment. If an enterprise as a legal person owns real estate locally, it can also apply for the bank's operating loan products, such as the "operating loan" of China Bank and the "operating mortgage loan" of rural commercial banks. Of course, collateral recognized by other banks can also be used to apply.
3. Credit loan. Micro-enterprise credit loans refers to unsecured and unsecured loans issued by banks to business entities. This loan application threshold is not high. For example, "enterprise credit loans" of a rural commercial bank can apply as long as the borrower is 25-60 years old, the accumulated credit is overdue for no more than 6 times, and the individual has real estate, and the enterprise registration has exceeded 1 year.
3. Which is bigger, Shengjing Bank or Village Bank?
Shengjing bank is big. Shengjing Bank operates across provinces, and village banks are only local village banks, with little radiation.
Both are joint-stock commercial banks, but their business objects are different. Most of the customers faced by rural banks are the most basic rural agriculture, township enterprises and small and medium-sized enterprises. Shengjing Bank is a city commercial bank, and it faces many kinds of enterprises, with relatively few businesses involving agriculture, countryside and farmers, and there is little difference in other aspects.
4. 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.