What are the channels for small and medium-sized enterprise loans?

1. Upstream and downstream channels: Small businesses can look for loan opportunities from upstream and downstream of the industrial chain. If they are a dealer of a well-known brand of cars, the company can borrow from the credit and guarantee of the upstream manufacturers. If As a material supplier for a leading company, you can also use the order to go to the bank to process the order pledge.

2. Policies: Now the country is vigorously supporting small and medium-sized enterprises and has successively launched many preferential policies. The Small Business Bureau and the Industrial and Commercial Bureau usually have relatively complete bank credit information. Some departments will introduce companies to join a certain bank-securities joint loan project, and some will set up guarantee agencies to provide guarantees for small business loans.

3. Financial institutions: You can obtain loan information from various commercial institutions, such as development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. Some commercial institutions will also Establish joint loan projects with banks, and commercial institutions provide guarantees for small business loans under them.

4. Local channels: If the company is a member of a county industrial cluster or a local advantageous and characteristic industry, the company can also apply for joint guarantee loans and other loan types based on the advantages of related companies.

Extended information:

What are the ways to obtain loans for small and medium-sized enterprises?

1. Comprehensive credit

That is, to some enterprises with good operating conditions and reliable credit, a certain amount of credit line is granted for a certain period of time, and the enterprise can recycle it within the validity period and the limit range. . For a comprehensive credit limit, the enterprise shall declare relevant materials in one go and the bank shall approve it in one go. Enterprises can use the funds in installments according to their own operating conditions and borrow and repay them at any time. It is very convenient for enterprises to borrow money and it also saves loan costs. Banks provide loans in this way, generally to enterprises that have industrial and commercial registration, passed the annual inspection, have good management, have reliable reputation, and have a long-term cooperative relationship with the bank.

2. Credit guarantee loans

Among the 31 provinces and cities across the country, more than 100 cities have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement membership management and are public service, industry self-disciplined, and non-profit organizations. The source of the guarantee fund is generally composed of local government financial allocations, member funds voluntarily paid by members, funds raised from the community, and funds from commercial banks. When member companies borrow money from banks, they can be guaranteed by small and medium-sized enterprise guarantee institutions. In addition, small and medium-sized enterprises can also seek guarantee services from guarantee companies that specialize in intermediary services. When an enterprise cannot provide guarantees acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these problems. Because guarantee companies have more flexible collateral requirements than banks. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures. Sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

3. Project Development Loans

If some high-tech small and medium-sized enterprises have scientific and technological achievement transformation projects of great value and the initial investment amount is relatively large and the company's own capital cannot bear it, they can apply to Bank application for project development loan. Commercial banks will provide active credit support to small and medium-sized enterprises that have high-tech products or patented projects with mature technologies and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relationships with universities and scientific research institutions or have their own research departments, banks can also provide project development loans in addition to working capital loans.

4. Natural person guaranteed loans

Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee. Properties that can be used as mortgage include personal properties, land use rights, transportation vehicles, etc. Personal property that can be pledged includes savings certificates, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee means that on the basis of property mortgage, the mortgagor's joint liability guarantee is added.

If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.

5. Personal entrusted loans

Commercial banks such as China Construction Bank, Minsheng Bank, and CITIC Industrial Bank have successively launched a new type of loan business-personal entrusted loans. That is, a loan is entrusted by an individual to provide funds, and a commercial bank issues, supervises, uses and assists in the recovery of the loan based on the loan object, purpose, amount, term, interest rate, etc. determined by the client. The basic procedure for handling personal entrusted loans is:

The entruster submits a loan application to the bank.

The bank will select and match according to the conditions and requirements of both parties, and recommend them to the entrusting party and the borrower respectively.

The client and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term, repayment method, etc.

After the borrower and the lender have negotiated the required conditions, they go to the bank together and sign an entrustment agreement with the bank respectively.

The bank investigates the borrower's credit status and repayment ability and issues an investigation report. Then the borrower and the lender sign a loan contract and issue the loan after approval by the bank.

6. Bill discount loan

Bill discount loan means that the bill holder transfers the commercial bill to the bank and obtains funds after deducting the discount interest. In our country, commercial bills mainly refer to bank acceptance bills and commercial acceptance bills. One of the benefits of this loan method is that banks do not lend based on the company's asset size, but based on market conditions (sales contracts). From the time an enterprise receives a bill to the date when the bill matures for redemption, it often takes anywhere from a few dozen days to as many as 300 days. During this period, the funds are idle. If an enterprise can make full use of bill discount loans, the procedures are far simpler than applying for a loan, and the loan cost is very low. For bill discounting, you only need to bring the corresponding bills to the bank to go through the relevant procedures. It can usually be completed within 3 business days. For enterprises, this is "using tomorrow's money to make money the day after tomorrow." This kind of loan method It is worthy of extensive and active use by small and medium-sized enterprises.

7. Pawn loan

Pawn is a loan method that uses physical objects as collateral and obtains temporary loans in the form of transfer of physical property ownership. Compared with bank loans, pawn loans have high costs and small loan sizes, but pawns also have advantages that bank loans cannot compare with. First of all, compared with banks’ almost demanding credit requirements for borrowers, pawn shops have almost zero credit requirements for customers. Pawn shops only focus on whether the pawned items are genuine. Moreover, generally commercial banks only mortgage real estate, while pawn shops can pledge both movable and real estate. In fact, in addition to pawn shops, microfinance service institutions, guarantee companies, companies and other institutions are carrying out vehicle mortgage loan business.

8. Intellectual property rights

Intellectual property rights refer to applying for small and medium-sized enterprise financing from banks after evaluating the property rights in legally owned patent rights, trademark rights, and copyrights. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide this SME financing facility to some small and medium-sized enterprises, and the guarantee is generally required by the legal representative of the enterprise. Despite this, outstanding small and medium-sized enterprises with independent intellectual property rights can still give it a try.

What are the loan application channels?

1. Major commercial banks

Major commercial banks are the first way to apply for loans. However, the bank loan application threshold is the highest, and the occupation generally requires civil servants, employees of public institutions or state-owned enterprises, etc. However, bank loans are expected to have low annualized interest rates and relatively high credit limits, but approvals are slow and the procedures are complicated.

2. Company

Companies have lower requirements. Generally, they cannot meet the requirements for bank loans. Those with poor credit conditions can find companies. The company has low threshold and fast lending, but the expected annual interest rate is very high.

3. Consumer finance companies

Consumer finance companies are also a good channel to apply for loans. They mainly provide various types of consumer loans to individuals. Consumer finance companies generally require stable income from work, and the expected annual interest rate is higher than that of banks, but the review is easier and the loans are issued faster.

China has consumer finance companies such as Home Credit, Bank of China, and Northern Bank

4. Internet financial companies

The above are all traditional entity lending institutions. Now you can also apply for loans through Internet financial companies. The entire loan application process is reviewed online, no mortgage guarantee is required, and disbursements are made within minutes or hours. Such as Flash Silver, Zhaolian, etc.

5. Online loan platform

How to get a personal loan of 100,000? You can apply through these channels!

I believe that many people will encounter times in life when money is tight. When some friends encounter such a situation, their first reaction is to apply for a loan. But with so many borrowing channels on the market, how can I get a personal loan of RMB 100,000? Let me share with you two borrowing channels that can loan up to 100,000 yuan. Let’s learn more about them together!

How to get a personal loan of 100,000?

1. Bank credit loan

If the lender has good personal qualifications and has stable financial resources, then you can consider applying for a personal credit loan from the bank. With the continuous development of the loan market, banks have also issued many personal consumer credit loans in order to meet the needs of different customers. The lender does not need to provide collateral or collateral, and you can apply for a loan with credit.

For example, ICBC’s e-loan, China Construction Bank’s personal quick loan, etc. Lenders can apply directly at a bank branch, or they can choose to download a mobile APP and apply directly online. Most banks' personal credit loan limits are relatively high, and the maximum credit limit is between 100,000 and 200,000.

2. Online

If the lender's personal qualifications are not very good, or if there is no business dealings with the bank on weekdays, you can also try to find some platforms online to apply for a loan. According to data from relevant agencies, there are now more than 200 small loan companies on the market that are qualified to lend. Registration is simple, application is convenient, and approval is fast.

However, lenders need to be reminded that although there are many online platforms, there are many small loan software with a maximum credit limit of 50,000 yuan. If a lender needs 100,000 yuan, it is recommended to apply for a loan from some platform with a relatively high credit limit.

The above is the sharing of relevant content about "How to get a personal loan of 100,000 yuan". I hope it can help everyone!

Where do loan companies find loan channels?

Where do loan companies find loan channels?

1.

Traditional offline loans Loan channels originate offline. When there is a demand for loans, the first thing that everyone thinks of is the major banks, such as Bank of China, Industrial and Commercial Bank of China, China Construction Bank, etc. Loans in banks are safer and are the preferred loan channel for many people. In addition to banks, offline lending institutions also include companies, small and medium-sized financing guarantee companies, third-party financial institutions, etc.

2.

In addition to traditional loan channels, there are many online channels for applying for loans. P2P was established for the relationship between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts, and runaways. Internet finance does not have a fixed investment group, which can effectively solve the security of platform operations and protect the interests of investors. In addition to online loan platforms, traditional financial institutions have also opened online loans, and there are more and more online loan options.

3.

There are many loan APPs for mobile loans. Netizens only need to download the relevant APP and fill in the relevant information according to the prompts

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I want to get a loan, where can I get a loan?

You can apply through our bank’s electronic banking channels. The loan application method is as follows: 1. Bank of China currently supports customers in some domestic areas to apply for loans through electronic banking. For details, please apply for loans online through personal online banking and mobile banking. Select from the drop-down menu or the China map of the online loan application function on our official website.

Online loan application supports micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. The types of loans supported in different regions are different. The specific Please select from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function. After successful submission, the relevant staff of our bank will contact you.

The above content is for your reference, please refer to actual business regulations.

Where is it safer to get a loan? Mainly these three channels!

In modern society, everyone and every family will encounter some financial problems more or less. In addition to borrowing money from relatives and friends, borrowing from a lending institution is a more convenient and fast way. Nowadays, there are many channels to get loans. Where is it safer to go? Today we will give a brief introduction.

1. Where is it safer to get a loan?

1. Banks: The most common loan channels can be divided into central banks, policy banks, commercial banks, investment banks, World Bank, etc. by type. Among them, commercial banks are the ones that everyone has more contact with. For example, ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, etc., there are also some private banks such as WeBank, MYBank, etc., and there are also some city commercial banks in each city such as Changsha Bank, Dongguan Bank, etc., which are the most popular banks for loans. Safe channel.

2. Consumer finance company: a company approved by the China Banking Regulatory Commission. The lending funds are its own funds and do not accept user deposits. This is different from banks. It is a non-bank financial institution and the loans are relatively formal and safe. , but the interest rate is higher than that of banks, and the advantage is that the payment is faster and the threshold is lower.

3. Formal licensed institutions: Nowadays, the loan industry has become more standardized. You must hold a formal lending license to engage in loan business. Therefore, before applying for a loan, you must carefully check whether you have relevant qualifications. This way security can also be guaranteed.

2. Where else can I get a loan?

Private loan companies: As long as they are formal companies with a business license and engaged in credit business, and the loan process and fees comply with national regulations, they are protected by law. Compared with bank financial institutions, the threshold for private loan companies is lower. It is too low, and users with average personal qualifications can consider it comprehensively.

This is the introduction of how to find loan channels.