Loan object

concept

Since my country's self-reform, China-based commercial banks have changed, and in 1994, it is no longer just lending enterprise organizations.

can divide the loan object into two categories: First, the public loan, that is, organizational institution, including state-owned enterprises, private enterprises, collective enterprises, schools; the other is for individuals, ie Individuals with full civil capacity, including general citizens and individual business users.

This explanation, it reflects the nature of commercial banks: it is an enterprise legal person who absorbs a public deposit, issuance of loans, and settlement and other business.

Loan object determined

1, to reflect the essential requirements of credit funding, loans must be guaranteed to pay for payments.

2, to meet the requirements of the principles of commercial banks, loans will be issued to follow the principles of benefits, safety, and liquidity.

3, should reflect the requirements of the payment of the payment policy, and the loan to the investment in the national industrial policy.

Therefore, the commercial bank's loan object must be a business unit, that is, the value of economic income, prepaid can be compensated and added, and there is a source of funding for the bad loan principal. Anyone who is not operating, there is no economic income, can only be used as a financial grant object, but cannot be a bank loan object.

In short, under the conditions of socialist market economy, all business enterprise units and individual economies engaged in production, circulation, and production circulation, and individual economies can become loan objects. According to the "Loan General": The loan object should be approved by the industrial and commercial administration (or the competent authority), other economic organizations, individual industrial and commercial households or the full civil conduct of the People's Republic of China. The ability of the natural person.

Loan Basic conditions

(1) Engaged in business activities, compliance with national industrial policies and social development planning requirements;

(2) stable Economic income and good credit records, can be approved by the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of the People's Bank of China The annual lending card, and the organization code certificate issued by the technical supervision department;

(4) In addition to natural people and undertake registered career legislatives registered with the industrial and commercial administration, it should be handled by an industrial and commercial administration. "Business License" annual inspection procedures. The special industry must hold a business license issued by the authority;

(5) The company should establish a modern enterprise system, the property rights are clear, the governance structure is improved, and it is in line with the requirements of the "Company Law".

(six) does not meet the credit mode, it should provide a mortgage guarantee that meets the requirements of the specified conditions; the relevant information provided by the

(7) is true and accurate, and the asset-liability ratio is in line with the relevant requirements.

(eight) There is no bad credit record.

(9) Other conditions.