Are there any banks in China that can use invoices for loans? Accurately speaking, it is called invoice financing, and all major banks carry out this business.

Treatment conditions:

(1) Invoice range of domestic invoice financing:

1. VAT invoice issued for selling goods to an enterprise as a legal person.

2. Invoices issued for selling goods to schools, hospitals and other legal entities.

3 invoices issued for government procurement activities organized by government procurement departments at or above the prefecture level (including prefecture level).

4. Other invoices approved by banks that can handle domestic invoice financing business.

(2) The invoice and its corresponding accounts receivable must meet the following conditions:

1, the invoice is true, legal and valid, and the face elements are consistent with the contents of the commodity transaction, which meets the requirements of the purchase and sale contract;

2. The goods listed in the invoice are the main products of the seller;

3. The repayment period of accounts receivable is generally not more than 6 months, and the longest is not more than 9 months;

4. The ownership of accounts receivable is clear and flawless, and the seller has not transferred it to anyone else, nor has it set any pledge and other priority rights for anyone else.

(3) Domestic invoice financing business shall not be handled for the following invoices:

1. The accounts receivable corresponding to the invoice have expired;

2. Invoices formed by the buyer and the seller for providing services or dealing in commodities that are not easily priced in the market, such as franchising, patents, trademarks and intellectual property rights;

3. Other invoices that the bank deems unsuitable for domestic invoice financing.