Some people say: small and micro enterprises are difficult to obtain loans, because they do not have good skills.
Small and micro enterprises in the loan before, if you can develop a reasonable loan program, you can achieve twice the result with half the effort, but in the formulation of the program, the following two problems have to consider:
(2) how long does the fund need to turn round?
If the loan funds are insufficient, it will certainly restrict the development of enterprises, but the loan funds are too large, not only will increase costs, but also will cause waste of resources.
(1) how much money do you need?
It is necessary to determine a reasonable maturity of the loan, because the longer the period, the more interest will be paid, so the borrower needs to determine a reasonable maturity of the loan according to its actual situation.
The bank will examine Small and micro businesses credit situation from four aspects: one is the bank credit, the main business is to look at the cash settlement on whether there is illegal settlement discipline, fines, previous bank loans are overdue repayment; two is the commercial credit, mainly to see whether the enterprise to fulfill its contractual obligations, whether or not according to the provisions of timely repayment of debts; three is the financial credit, mainly to see whether the financial statements are true and reliable; the four is the tax credit, the main business is to look at whether there is tax evasion tax records. If small and micro enterprises in these areas can have a good realization, then the loan will be further.
At present, there are many banks specifically for Small and micro businesses launched a series of loan products, but different product requirements are not the same, so business owners choose loan products to multiple comparison, find suitable to improve work efficiency.
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