1. Who can tell me the basic knowledge about loans?

Basic provisions 1. Loan targets: Chinese citizens aged 18 to 60 with full capacity for civil conduct.

2. Loan limit: After the borrower provides a pledge, mortgage, third-party guarantee approved by China Construction Bank or has certain credit qualifications, the bank will determine the borrower's corresponding pledge limit, mortgage limit, guarantee limit or credit limit . The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; the mortgage amount shall not exceed 70% of the assessed value of the collateral; the credit limit and guarantee limit shall be determined according to the borrower's credit rating.

3. Loan period: The validity period of the mortgage line is up to 5 years; the expiration date of the pledge line shall not exceed the expiration date of the pledge rights, and shall not exceed 5 years at the longest; the validity period of the credit line and the guarantee line for 2 years. The validity period of the credit limit is calculated from the effective date of the loan contract.

If the borrower applies for more than two types of pledge lines, mortgage lines, guarantee lines or credit lines at the same time, China Construction Bank will determine the validity period of the borrower's personal consumption line loan based on the line with the shortest period. After the validity period of the quota expires, the remaining quota is not allowed to be used.

4. Loan interest rate: in accordance with the loan interest rate regulations of China Construction Bank; 5. Guarantee method: in the form of mortgage, pledge, third-party guarantee or credit approved by China Construction Bank. 6. Required application materials: (1) Original and copy of the borrower’s valid identity document; (2) Proof of local permanent residence or valid residence status (3) Proof of the borrower’s loan repayment ability.

Such as the income certificate issued by the borrower’s employer, the borrower’s tax bill, and insurance policy. (4) The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and the owner of the property agreeing to the pledge and mortgage.

(5) The written document in which the guarantor agrees to provide guarantee required for the borrower to obtain the guarantee amount. (6) Documents proving the credit standing of the guarantor.

(7) Evaluation report of the collateral issued by a socially recognized evaluation department (8) Other documents and information processing channels and procedures specified by China Construction Bank 1. Processing channels: Apply for a personal car loan through China Construction Bank The business branches handle personal car loan business. In some large and medium-sized cities, the auto financial service centers set up by China Construction Bank specialize in handling personal car loan business. The personal loan center is also a professional acceptance agency for car loans. 2. Processing process: ①Acceptance.

The handling staff introduces to customers the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default handling and various fees that need to be borne by the borrower for CCB's personal consumption loan. Conduct a preliminary review of the borrower's borrowing conditions, qualifications and application materials. ②Investigation.

In accordance with relevant regulations, investigators use reasonable means to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness to repay. ③Approval.

The authorized approver will ultimately determine the customer's comprehensive credit limit and the validity period of the credit limit based on the customer's credit rating, mortgage situation, pledge situation and guarantee situation. ④Issue.

After fulfilling the loan conditions. Customers can apply for a credit limit from the bank at any time based on their payment needs.

⑤Post-loan management. The lending bank shall supervise and inspect the income status of the borrower and the guarantor, the use of the loan, the changes in the value and performance of the collateral (pledge), etc. in accordance with the relevant regulations on loan management. The inspection results must be recorded in writing and archived.

Those who implement guarantee or credit methods should supervise the credit and repayment ability of the guarantor or borrower, and require the borrower and guarantor to provide assistance. ⑥Loan recovery.

The lending bank will deduct the money from the agreed repayment account based on the repayment plan and repayment date agreed upon by both parties in the contract. Borrowers can also go to the lending bank's business outlets to repay the loan.

1. Mortgage loan 1. Collateral: The borrower or a third party owns a house with its own property rights, which already has a "real estate certificate". 2. Mortgage process: (1) Hold the real estate certificate to the district and county real estate bureau where the property is located and ask whether the property can be registered as a real estate mortgage; (2) If you get a definite answer that it can be processed, hold the "real estate certificate" and the relevant individuals Submit the information to the CCB personal comprehensive consumer loan agency to apply for a mortgage loan; (3) The CCB-designated real estate appraisal agency will evaluate the applicant's own property and submit a property appraisal report, charging a handling fee of 3‰ of the appraised value; (4) CCB assists the applicant to handle the real estate insurance procedures and corresponding loan approval procedures. The maximum loan amount shall not exceed 70% of the assessed value, and agrees with the approval to issue the loan contract and mortgage contract; (5) The borrower holds the real estate certificate and loan contract Go to the district or county real estate bureau where the property is located to complete the mortgage registration procedures, and the agency fees will be borne by the borrower; (6) Only after the mortgage registration is completed, CCB can issue the loan to the borrower's personal savings account.

2. Pledge Loan 1. Pledged property: the certificate of rights legally held by the borrower or a third party, including: (1) Securities. Including financial bonds, AAA corporate bonds, and *** bonds issued by the Beijing Branch as an agent (except those that cannot be pledged according to laws and regulations); (2) Certificate-type treasury bonds issued by the Beijing Branch as an agent (issued after 1999); (3) Personal local and foreign currency time savings deposit certificates and time all-in-one passbooks issued by Beijing Branch; (4) Other legal and valid power certificates recognized by Beijing Branch.

2. Pledge process: (1) Bring the certificate of rights to the personal comprehensive consumption loan agency to apply for a pledged loan; (2) Verify the certificate of pledge rights and register the pledge if it meets the conditions; (3) ) CCB receives the pledge rights certificate, goes through the loan approval procedures, the maximum loan amount shall not exceed 90% of the face value of the pledge rights certificate, and signs a loan contract and a pledge contract with the applicant who has approved the loan; (4) CCB issues the loan to the borrower in a personal savings account. 3. Combination loan The borrower can apply for the same personal comprehensive consumption loan by mortgaging or pledging the certificate of rights. The loan amount is accumulated based on the loan amount allowed by the two guarantee methods. The loan process is the same as above.

4. Credit loan 1. The borrower applies for a comprehensive personal consumption loan based on his or her own credit. CCB determines the loan amount based on the borrower’s credit status, with a maximum of RMB 600,000. 2. The loan applicant provides information (the following information is provided only if it is possible).

2. What knowledge should a credit salesperson have?

What abilities a loan salesperson should have:

1. Strong professional knowledge and business skills

In the process of handling credit business, we must firmly grasp the following five key points: 1. Review the license, 2. Select the correct text, 3. Fill in the content, 4. Hold the signature, and 5. Straighten out the procedures.

2. Abundant relevant knowledge

A qualified and competent loan officer should not only have proficient professional theory and professional knowledge, but also proficient operational skills. Relevant knowledge will be more conducive to the smooth development of credit work.

3. Should have interpersonal skills

Have a keen intuition and understanding of the customer's personality, emotions, needs, etc.; have good tolerance and ability to cope with interpersonal pressure, Be able to flexibly use a variety of interpersonal communication skills and methods for different situations and different contacts; be able to show understanding and concern for customers when interacting with customers; have strong emotional control ability, and in the process of fighting for the rights and interests of the enterprise Medium, able to bend and stretch, and able to withstand greater psychological pressure.

4. Observation and judgment ability

Refers to the ability to observe the quality of customers through their speech, behavior and social relationships; to make objective judgments; to be good at observing words and colors; to collect information from multiple parties and accurately verify one's judgments .

Whether the loan can be repaid in time depends to a large extent on the customer's willingness to repay, and the willingness to repay depends on the customer's character to a large extent. Therefore, before the loan is granted, it is necessary to focus on examining the customer's character. . The time from application to disbursement of a loan generally does not take more than a week. In this short period of time, loan officers must promptly and accurately grasp the customer's personality and character.

5. Stress resistance

Small business loan officers are under great performance pressure, so they need to maintain a good and positive attitude, be able to overcome difficulties and adjust their emotions in a timely manner, Keep enough confidence. Especially when you encounter customers who fail to repay overdue loans, you need to be patient and tolerant, as well as have good stress resistance. If the bottom line of your personality is not touched, you must turn a blind eye to the other party's unreasonable, insulting and other verbal attacks. ,turn a deaf ear. If it really doesn't work, we can only use extraordinary means against extraordinary people.

6. Be smart

Loan officers must have a certain mind and be good at analyzing and thinking about problems. In credit management work, some companies may whitewash financial statements and cover up their true financial status and operating results for their own interests. At this time, the loan officer must use the knowledge he has to identify, analyze and find problems, so as to have a correct and comprehensive understanding of the company's operating conditions. If you cannot clearly understand the operating status of your client's company, make a hasty loan, and ultimately fail to recover the loan, it will bring great risks to the company.

3. What knowledge should a credit clerk have?

The abilities that a loan clerk should possess: 1. Strong professional knowledge and business skills must be firmly established in the process of handling credit business. Firmly grasp the following five key points: 1. Check the license properly, 2. Select the correct text, 3. Fill in the content, 4. Hold the signature and seal, and 5. Straighten out the procedures.

2. Rich relevant knowledge. A qualified and competent loan officer, in addition to being proficient in professional theory, professional knowledge, and proficient operational skills, should also have rich relevant knowledge in order to be more beneficial. The smooth development of credit work. 3. Should have interpersonal communication skills and have a keen intuition and understanding of the customer's personality, emotions, needs, etc.; have good tolerance and coping ability for interpersonal pressure, and be able to flexibly use a variety of interpersonal relationships for different situations and different contacts. Communication skills and methods; being able to show understanding and concern for customers when interacting with them; having strong emotional control ability, being able to bend and stretch in the process of fighting for the rights and interests of the company, and being able to withstand greater psychological pressure.

4. Observation and judgment ability refers to the ability to observe the quality of customers through their speech, behavior and social relationships; to be objective in judgment; to be good at observing words and colors; to collect information from multiple sources and accurately verify one's judgment. Whether the loan can be repaid in time depends to a large extent on the customer's willingness to repay, and the willingness to repay depends on the customer's character to a large extent. Therefore, before loan issuance, it is necessary to focus on examining the customer's character. .

The time from application to disbursement of a loan generally does not exceed one week. During this short period of time, loan officers must promptly and accurately grasp the customer's personality and character. 5. Stress resistance Small business loan officers are under great performance pressure, so they need to maintain a good and positive attitude, be able to overcome difficulties, adjust their emotions in a timely manner, and maintain sufficient confidence.

Especially when you encounter customers who fail to repay overdue loans, you need to be patient and tolerant, and you must also have good pressure resistance. We must turn a blind eye and turn a deaf ear to verbal attacks. If it really doesn't work, we can only use extraordinary means against extraordinary people.

6. Be smart. Loan officers must have a certain mind and be good at analyzing and thinking about problems. In credit management work, some companies may whitewash financial statements and conceal their true financial status and operating results for their own interests.

At this time, the loan officer must use the knowledge he possesses to identify, analyze, and find problems, so as to have a correct and comprehensive understanding of the company's operating conditions. If you cannot clearly understand the operating conditions of your client's company, make a hasty loan, and ultimately fail to recover the loan, it will bring great risks to the company.

4. I want to know more about credit

There are basically no particularly good books or websites about this, because there are relatively few objective things about credit, and subjective factors account for a large part. Generally, It is a master who leads an apprentice, so it is best for someone to lead you on projects for 1-2 years. Only after you have completed a double-digit number of projects on your own can you be considered to have some experience, which has a lot to do with personal understanding.

The main objective involved in credit is financial statement analysis. You can take a look at this and master the basic principles. Then learn more about financial fraud and cash flow analysis, which can help you analyze domestic 90 companies above. Another slightly objective point is industry analysis. It is important to understand various industry operating models, especially the cash flow characteristics caused by operating models. Personally, I think the idea of ??credit is to repay principal and interest when due, and profits are not important. Income is not. Importantly, cash flow maturity matching is the most important.

Then you can look at some psychology and logic. Under normal circumstances, unless it is a super large enterprise such as a central enterprise, the rest must analyze the character, integrity, etc. of the actual controller. Finally, if you still have the energy and are still not satisfied, you can learn legal knowledge. This is relatively broad and can involve contract content or other matters. Regardless of whether you want to do this professionally in the future, knowing something is still very helpful.

If your organization is not very strong, you still need to learn some marketing skills. If you want to engage in this field of work, you must also have good moral qualities. Generally, in a city, the circle of people who do these jobs is very small, and having moral problems basically means saying goodbye to the industry.

5. Basic knowledge about corporate loans

Basic knowledge about interest calculation (1) The interest rate conversion formula for RMB business is (Note: Common for deposits and loans): 1. Daily interest rate () = Annual interest rate () ÷ 360 = Monthly interest rate ( ‰ ) ÷ 302. Monthly interest rate ( ‰ ) = Annual interest rate ( ) ÷ 12 (2) Banks can calculate interest using the cumulative interest calculation method and the transaction-by-transaction interest calculation method.

1. The accumulation interest calculation method is based on the daily accumulated account balance based on the actual number of days, and interest is calculated by multiplying the accumulated accumulation number by the daily interest rate. The interest calculation formula is: interest = cumulative interest-bearing accumulation number * daily interest rate, where cumulative interest-bearing accumulation amount = total daily balance.

2. The interest calculation method calculates interest on a case-by-case basis according to the predetermined interest calculation formula: interest = principal * interest rate * loan period. There are three specific methods: if the interest calculation period is a whole year (month), The interest formula is: ① Interest = principal * number of years (months) * years (months). If the interest calculation period has a whole year (months) and fractional days, the interest calculation formula is: ② Interest = principal * years (months) ) number * annual (monthly) interest rate principal * number of odd days * daily interest rate At the same time, the bank can choose to convert all interest calculation periods into actual days to calculate interest, that is, each year is 365 days (366 days in a leap year), and each month is the actual number of days in the Gregorian calendar. The number of days, the interest calculation formula is: ③Interest = principal * actual number of days * daily interest rate. These three calculation formulas are essentially the same. However, since there are only 360 days in a year in interest rate conversion, when actually calculated based on the daily interest rate, one year will be 360 ??days. Calculated over 365 days, the results will be slightly biased. Which formula is used to calculate the specific formula? The central bank gives financial institutions the right to choose independently.

Therefore, the parties and the financial institution can agree on this in the contract. (3) Compound interest: Compound interest means charging interest at a certain rate.

According to the regulations of the central bank, if the borrower fails to repay the interest within the time stipulated in the contract, compound interest will be charged. (4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest imposed on the defaulter by the bank according to the contract signed with the party concerned is called bank penalty interest.

(5) Overdue loan liquidated damages: The nature is the same as penalty interest, and it is a punitive measure against the party who defaults on the contract.

(6) Formulation and filing of interest calculation methods. The interest calculation and settlement rules and interest calculation methods for deposit and loan businesses formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for filing and notified to customers; regional commercial banks and urban credit union legal persons shall Report to the branch of the People's Bank of China and the central branch of the provincial capital (capital) city for filing and inform customers; the rural credit cooperative county cooperative legal person can formulate interest calculation and settlement rules and interest calculation methods for deposit and loan business based on the actual situation of the rural credit cooperative in the county, and report The branch of the People's Bank of China and the central branch of the provincial capital (capital) city shall register, and the legal person of the rural credit cooperative shall notify the customer.

(7) Reference basis: 1. "RMB Interest Rate Management Regulations" Yinfa No. 199977. 2. "Notice of the People's Bank of China on Issues Concerning RMB Loan Interest Rates" Yinfa No. 2003251.

3. "Notice of the People's Bank of China on the Calculation and Settlement of Interest on RMB Deposits and Loans" Yinfa No. 2005129. Loan Bank Enterprises choosing bank loans is the first step to save interest. Some banks will implement the benchmark interest rate stipulated by the state and then increase it by 30, while some will implement the benchmark interest rate.

It can be seen that the increase of 30 will increase the cost of enterprises, so when choosing a loan bank, you should shop around. Loan group optimization means loan portfolio optimization. The pledge loan method is the loan method with the lowest interest rate in the bank's loan business. This loan method should be the borrower's first choice.

Loan interest rates are divided into half-year and one-year loan periods, and it is stipulated that the half-year interest rate will be implemented if the loan period is less than half a year, and the one-year interest rate will be implemented if the loan period is more than half a year and less than one year. Since the borrower's forecasted demand for funds and the term of the loan contract often do not coincide with the specified loan interest rate, various term loan interest rate differences naturally form in practice.

Planning strategies Although most private enterprises have strong financing needs, they cannot identify the financing demand points. Often, financing is only considered when the company's capital chain is short of urgency. At this time, the company is like a patient who blindly seeks medical treatment.

In this way, some lending institutions will take the opportunity to kill you. Enterprise financing must make preparations for financing loans in advance according to its own conditions.

Since the reform and opening up, my country's small and micro enterprise private economy has developed rapidly and has become an important part of the socialist market economy and an important force in promoting the development of social productivity. Small and micro private enterprises have shown a trend of accelerating expansion in quantity and gradual improvement in quality, and small and micro enterprises continue to become bigger and stronger.

There is no doubt that in the process of continuous development and growth of small and micro private enterprises, they are also facing many problems, and financing difficulties are one of the prominent problems. How to help enterprises solve the problem of financing difficulties? In response to market changes and customer characteristics, CreditEase actively innovated financing solutions for small and micro enterprises. CreditEase took the lead in launching an innovative business in the country - Yichedai, which effectively broadened the financing channels for small and micro enterprises and helped enterprises solve financing difficulties. etc. questions.

In China, banks generally do not provide car mortgage loan services. Such services generally require application from private professional credit institutions. The "Yichedai" car mortgage loan service is a short-term microfinance service specifically targeted at small businesses, individual merchants, and entrepreneurs.

The "Yi Che Dai" credit service launched by CreditEase has high approval limits, flexible loan periods, simple and fast procedures, no pre-loan fees, and considerate and high-quality services. P2PP2P business loan is a new type of business loan, developed by the p2p platform. It provides exclusive loans to private enterprises to help solve corporate capital turnover difficulties; basic requirements: 1. 23-60 years old; 2. The business has been established for more than 1 year and Passed the annual inspection in the previous year; 3. Monthly public account turnover is 80,000 (inclusive) and above; loan term: 1, 2, 3, 6, 12, 18, 24 months; loan amount: 10,000-1 million repayment Method: 1-3 months, one-time interest payment to repay the principal when due; 6-24 months, equal principal and interest. This loan method can well make up for the shortcomings of bank corporate loans. Compared with banks, the threshold is slightly lower. The disadvantage is that the loan interest rate is slightly higher than that of banks.

Creditworthiness Inspection Generally speaking, banks mainly examine the creditworthiness of enterprises in four aspects: 1. Bank credit includes settlement credit and loan credit: settlement credit means that the cash settlement situation of the enterprise applying for the loan is normal and has not occurred. Bad records such as violation of settlement disciplines, bounced checks, inability to cash bills, and fines. Loan credit refers to the fact that the enterprise applying for the loan has a good willingness to repay and has had bank loans before.

6. Legal knowledge about loans

Manage and control the payment of loan funds in accordance with the provisions of the contract. Personal loan funds are generally paid to the borrower's transaction partner using the lender's entrusted payment method, except for individual cases: if the borrower cannot determine the specific transaction partner in advance and the amount does not exceed 300,000 yuan; the borrower's transaction partner does not meet the conditions to be valid Non-cash settlement is used; loan funds are used for production and operation and the amount does not exceed RMB 500,000, etc.

At the same time, it should be noted that if the borrower pays by himself, the lender should agree with the borrower in advance in the loan contract and require the borrower to regularly report or inform the lender of the payment status of the loan funds.

Post-loan management

After the loan, the lender must follow up and monitor the use of loan funds, the borrower's credit and guarantee status.

At the same time, with the consent of the lender, it can be extended according to the situation: for example, for a personal loan within one year, the extension shall not exceed the original loan term.

7. Basic knowledge about mortgage loans

Conditions required for mortgage housing loans

1. Have legal identity (hukou and ID card);

2. Have good credit, no bad records and are repaying the loan (automatic check by the bank);

3. Have stable economic income and the ability to repay the principal and interest of the loan (issue a certificate);

4. Have collateral (real estate, etc.) (not required for mortgage purchase)

Information that individuals need to provide

1. Original and copy of household registration book

2. Original and copy of ID card

3. Original and copy of marriage certificate or certificate of unmarried status

4. Proof of income exceeding twice the monthly loan repayment amount

5. Collateral title certificate) (not required for mortgage purchase)

8. Who knows about bank loans?

What is a bank loan? What does a bank loan mean? An economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees on a time limit for repayment.

Classification of bank loans There are various types of bank loans according to different classification standards. For example: According to different repayment periods, they can be divided into short-term loans, medium-term loans and long-term loans; According to different repayment methods, they can be divided into current loans, term loans and overdrafts; According to different loan purposes or objects, they can be divided into industrial and commercial loans and agricultural loans , consumer loans, securities broker loans, etc.; According to different loan guarantee conditions, they can be divided into bill discount loans, bill mortgage loans, commodity mortgage loans, credit loans, etc.; According to the loan amount, they can be divided into wholesale loans and Retail loans; According to different interest rate agreement methods, they can be divided into fixed-rate loans and floating-rate loans, etc.

Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

Tips for small and medium-sized enterprises to obtain bank loans: Establish a good bank-enterprise relationship. Pay attention to credibility.

It is necessary to write a feasibility study report on the investment project and highlight the characteristics of the project. Choose the right time for your loan.

Obtain support from small and medium-sized enterprise guarantee institutions.

Methods of bank loans: (1) Entrepreneurship loan Entrepreneurship loan refers to a special project that is issued to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. They apply for capital needs for starting a business or re-starting a business, and the bank recognizes the effective guarantee. loan.

Eligible borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability. Qualified borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability.

For businesses that reach a certain scale, higher amounts of loans can be provided. The term of a business loan is generally 1 year, with a maximum period of no more than 3 years.

To support laid-off workers to start their own businesses, the interest rates for entrepreneurial loans will be reduced according to the same level of interest rates stipulated by the People's Bank of China, and they can enjoy a certain percentage of *** interest discounts. (2) Mortgage loans For those who need to start a business, personal consumption loans can be flexibly used for starting a business.

The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can use the house to be purchased as collateral and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased, and the loan term is no longer than 10 years.

Suitable for entrepreneurs include: real estate mortgage loans, chattel mortgage loans, intangible asset mortgage loans, etc. Real estate mortgage loan.

Entrepreneurs can use real estate such as land and houses as collateral to obtain loans from banks. Chattel Mortgage.

Entrepreneurs can use securities recognized by banks such as stocks, treasury bonds, and corporate bonds, as well as movable assets such as gold, silver, and jewelry as collateral to obtain loans from banks. (3) Pledge Loans In addition to deposit certificates that can be pledged, personal loans can also be easily obtained with treasury bills, insurance company policies and other certificates.

A loan pledged by a deposit certificate can be 80% of the deposit certificate amount; a treasury bond pledged loan can be 90% of the face amount of the treasury bond; the amount of a policy pledge loan issued by an insurance company shall not exceed 80% of the current cash value of the insurance policy. From the perspective of the scope of pledge, the scope is relatively wide, such as deposit receipts, treasury bills, bills of lading, trademark rights, industrial property rights, etc., can be pledged.

As long as entrepreneurs can find something that belongs to them and use these rights as collateral, they can apply for a bank loan. (4) Guaranteed loan If you have no deposit certificates, treasury bonds, or insurance policies, but your spouse or parents have a better job and a stable income, this is also an excellent credit resource.

At present, banks have a special preference for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and personnel in the financial industry are all listed as preferential treatment targets for credit loans. Employees in these industries only need to find one. With the guarantee of two colleagues, you can get a guaranteed loan of about 100,000 yuan from financial institutions such as ICBC and China Construction Bank. After preparing all kinds of materials, you can get approval on the same day, thus obtaining entrepreneurial funds quickly. (5) Small loans for laid-off and unemployed persons are based on the principle that "all laid-off and unemployed persons who are under 60 years old, in good health, honest and trustworthy, and have certain labor skills, and who are self-employed, self-employed, or engaged in partnership and organized employment can continue to apply for this loan." The re-employment preferential certificate issued by the labor and social security department stipulates that entrepreneurs can hire laid-off and unemployed people to apply for small-amount guaranteed loans from commercial banks or their branches. After consultation, they can apply for unemployment loans with the re-employment preferential certificate.

Each person can receive a loan of up to 20,000 yuan, and the interest rate is the lowest among local bank loans. If a company hires 10 laid-off workers, it can enjoy a low-interest loan of up to 200,000 yuan.

(6) International trade financing International trade financing refers to the short-term financing or credit facilities related to import and export trade settlement provided by *** and banks to import and export enterprises. These businesses include credit issuance and import. Bills of exchange, delivery guarantees, export bills of exchange, packaging loans, foreign exchange bill discounts, international factoring financing, forfaiting, export buyer's credit, etc.

1) Short-term financing for international trade* Exporters can import from. Commodities and banks receive short-term funding.

Including: ① Advance payment from importer to exporter.

② Banks provide loans to exporters, such as loans without collateral, bank loans with trust receipts, mortgage loans for export commodities, packaging loans, mortgage loans for goods in transit, foreign storage loans, etc. *Importers can obtain short-term funding from exporters and banks.

Including: ① Loans provided by exporters to importers, such as account opening credit and bill credit. ②Banks provide loans to importers.

Including direct financing from banks to importers, discounting of acceptance bills, bank acceptance credit, and letter of credit financing. 2) Medium and long-term financing of international trade (export credit) Export credit is an economic activity in which banks or banks provide credit funds to domestic exporters, foreign businessmen or importing banks in order to encourage domestic enterprises to export goods.

This is an important trade financing method for small and medium-sized enterprises to relieve financial pressure. Including seller's credit and buyer's credit.