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Tips for SMEs to obtain bank loans:
Establish a good relationship between banks and enterprises.
To pay attention to credibility.
Investment projects should be written feasibility study report, highlight the characteristics of the project.
Choose the right loan opportunity.
SMEs to obtain security agencies.
(A) business loan
Start-up loan is the ability of certain production operations or have been engaged in production and business activities of individuals, due to start or re-apply for business funding requirements made by the bank approved after the effective guarantee and paid a special lending. Eligible borrowers, according to the resources of individual status and ability to pay and receive up to 500,000 yuan in loans to support the single. On the business reaches a certain size, may give a higher loan amount. Business loan period is generally 1 year, no longer than 3 years. Business support laid-off workers, business loan interest rate in accordance with the provisions of the People's Bank rate to float downward with the grade and may enjoy a certain proportion of government discount.
(2) mortgage loans
For business people who need the flexibility to be used for personal consumption loans to entrepreneurs. Mortgage collateral, the amount of not more than 70% of assessed value, the maximum credit limit of 300,000 yuan. If you venture down the street need to purchase commercial housing, children can be purchase as collateral to banks for Commercial House loans, loans generally do not buy commercial buildings to be assessed more than 60% of the value of the loan period for a maximum of 10 years.
For entrepreneurs are: real estate mortgage loans, chattel mortgages, loans and other intangible assets low.
Real estate mortgage loans. Entrepreneurs can land, housing and other real property as collateral to obtain bank loans.
Chattel mortgage. Entrepreneurs can be stocks, bonds, corporate bonds and other securities by banks recognized, as well as gold and silver jewelry and other personal property as collateral to obtain bank loans.
(3) Pledged Loan
In addition to certificates of deposit may pledge outside to Treasury bills, insurance policies and other documents are also easy to get personal loans. Certificates of deposit certificates of deposit as security for loans to credit the amount of 80%; bonds as security for loans to loans denominated government bonds, 90%; insurance policy loans, introduced in the amount not exceeding the cash value of insurance policies was 80%.
Judging from the range of collateral, the scope is more broad, like certificates of deposit, treasury bills, bills of lading, trademarks, industrial property and so can be used as collateral. As long as entrepreneurs can find their own things, to such rights as the pledge of property, can apply for bank loans.
(4) guarantee loans
If you do not have certificates of deposit, bonds, and no policy, but your spouse or parents have a better job, a stable income, which is excellent credit resources. Current soft spot for banks to high-income groups, lawyers, doctors, civil servants, public sector employees and the financial sector workers are classified as credit privilege object, these industries employed only one or two colleagues to find security can be in ICBC, Construction Bank and other financial institutions to obtain 10 million worth of guaranteed loans, in prepared under a variety of materials, which can be approved the same day, so fast access to venture capital.
(5) small loans for laid-off unemployed
According to "Where the age of 60 years of age, healthy, honest and credit, with certain labor skills of laid-off workers, self-employed, independent business venture or partnership with the organized employment, the labor security department can hold the re-employment concession card issued apply to commercial banks or their branches small secured loan requirements, entrepreneurs are able to employ laid-off unemployed workers, after consultation, re-employment benefits coin card, apply for loans for unemployed. each person can be the highest standard of 20,000 yuan loans , and the interest rate is the lowest among the local bank loan interest rates. If the company employed 10 laid-off workers, can enjoy up to 20 million low-interest loans.
(6) International trade financing
International Trade Finance is the Government and the Bank of import and export enterprises with import and export trade, settlement-related short-term financing or credit facilities. These activities include issuing credit, import financing, delivery guarantees, export financing, packaging loans, foreign currency bills discounted, international factoring, financing, forfeiting, export buyer's credit.
1) Short-term financing of international trade
* Exporters can import goods and short-term bank financing. Including: ① importers exporters advance. ② banks to provide loans to exporters, such as no collateral loans, banks with trust receipt loans, export mortgages, package loans, in-transit goods, mortgages, foreign storage loans.
* Importers and exporters, banks can obtain short-term funds. Including: ① exporter to importer of loans, such as open account credit, bill credit. ② bank loans to importers. Including banks importers direct funding, acceptance bill discount, bank acceptance credit, letter of credit financing.
2) long-term financing of international trade (export credit) export credit is the government or banks to stimulate domestic corporate goods exports to the domestic exporters, foreign importers in the future or the bank credit funds of economic activity. Ease the financial pressure is an important trade for SMEs financing. Including vendor credit, buyer credit two aspects.
The seller of credit, which banks on the domestic exporters to provide credit, provided by the exporter to the importer of a deferred payment credit export credit method.
Buyer's credit that the exporter company located bank draft or credit where a bank or importer to the importer to provide loans to help one of the merchandise exports had a form of export credits.
(3) Compensation trade financing
Compensation trade financing is the foreign institutional machinery to domestic enterprises, technical service and training as loans until the project goes into operation, the domestic enterprises to the project's products or other means agreed to pay the economic activities. This approach is to solve small and medium equipment, backward technology, lack of funds is one effective way. The financing is the first advanced enterprises with foreign equipment, technology imports, then the resulting income or access to products imported price amortization.
General procedure is:
Project financing feasibility study. Major projects include the study of domestic and Zai supporting construction of the enterprise 环境 and conditions, such as Peitao capital, technology, manpower, land and raw materials, Jichusheshi Ji relevant national policies; Renzheng project the economic effects of Shehui effects, etc.; You Yu Chanpinmiandui the international market, need certification of the product's international competitiveness and overseas market.
OK, the project approval. Project feasibility through certification, information reporting requirements will be the competent department for approval.
Negotiations with foreign investors. The main content of the negotiations, including equipment or technical performance, price, quantity, installation, maintenance, personnel training; transfer of technology property rights vested in the sector, the top set; pay the number of products, specifications, quality standards; pay period.
Contract. Agreement between the parties, will be the outcome of the negotiations to write contracts.
Performance of the contract. After the commencement of the contract, both parties under the contract operation of the business to trade under the contract financing payments.
(7) Integrated Credit
Comprehensive credit, that banks operating conditions for some good, reliable credit, high-quality (low-risk customers or to provide security for customers), given a certain period a certain amount of credit lines, business lines in the range of validity and can be recycled.
Comprehensive line of credit from the company to declare the material off the bank a one-time approval. Business operation can be phased according to their own money, as also with the use, but also saves cost of financing. Integrated high-quality customer credit conditions:
Credit rating at AA + (inclusive).
Asset-liability ratio no higher than the industry where good customer value.
Liability does not exceed the balance of net assets.
Operating loss is not the last two years, the first half of the total return on assets is not lower than the industry average.
Past two years, no bad credit record.
(8) secured loans
Secured loan is a borrower to a bank meets the statutory requirements of the Di Sanfang guarantor Zuowei default guarantee, performance bonds if the borrower can not repay, the bank is entitled to request the guarantor Lvxing or Chengdan agreed settlement of loans associated Zeren the loan Fang Shi. Including loans secured by a natural person, by a professional security company secured loan, secured loan, etc. Trust. Based on the above approach can also create more specific types of financing. For example:
1) Bills discounted financing. Is the holder of the commercial paper notes (mainly bank acceptance and commercial acceptance bills) transfer to the bank to obtain funds after deducting the discount interest. Financing in this way, the cost is very low, just to bring the corresponding notes to the bank to handle the formalities.
2) intellectual property as security for loans. Refers to the legal ownership of patents, trademarks, copyrights, after assessment of the property to the banks for financing.
3) export credit. Refers to the production of export products for enterprises, banks can export contract, or the importer to provide credit visa, providing packaged loans; companies have the cash account, you can provide foreign exchange mortgage loan; on sources of foreign exchange earnings of the company, could any Results obtained foreign exchange certificate Renminbi loans; on the export prospects of the enterprise, but also to lend a certain amount of Loans.
In addition, small temporary loan, overdraft credit cards can also be used a way to obtain capital. At present, the bank credit card function of the increasing overdraft. General from at least 3,000 yuan a credit card, 5000 dollars, for the sale of small entrepreneurs, the number of shareholders or a few families, each one of several cards in a certain period of time (eg 60 days), but also to solve about purchases without funding.