What are the loans for SMEs?

Medium-sized enterprise loans include operating property mortgage loans, unit certificates of deposit, working capital loans, fixed assets loans, syndicated loans, real estate development loans, domestic factoring of small and medium-sized enterprises, and movable property of small and medium-sized enterprises.

Small business loans include: small business loans secured by real estate, small business loans secured by guarantee companies, small business loans secured by transport ships, small business loans secured by fishing boats, small business loans secured by forest rights, small business loans secured by small hydropower, small business loans secured by insurance, small business credit enhancement, small business loans secured by e-commerce, small business loans secured by portfolio, small business mutual loans, small business vehicle mortgage loans, premium loans, fast loans, extended loans, Small business buyout relay loans, interbank loan guarantees, bank acceptance bills pledged small business loans, full margin guaranteed small business loans, time deposits pledged small business loans, labor-intensive small business secured loans, export tax rebate escrow account pledged small business loans, small business domestic factoring, enterprise real estate mortgage loans, enterprise guaranteed small business loans, and small business entrusted loans.

To sum up, SME loans are corporate loans for SMEs, which are mainly used to meet the normal capital needs of enterprises in the process of production and operation, and are divided into working capital loans and fixed assets loans.

2. What are the channels for SME loans?

1. Upstream and downstream channels: Small enterprises can seek loan opportunities from the upstream and downstream of the industrial chain. If you are a dealer of a well-known brand car, you can use the credit and guarantee of upstream manufacturers to obtain loans. If it is a material supplier of a leading enterprise, you can also use the order to go to the bank for order pledge.

2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and has successively introduced many preferential policies. Small business bureau and industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a loan project combining bank and securities, and some will provide guarantees for small business loans by setting up guarantee institutions.

3. Financial institutions: Loan information can be obtained from various commercial institutions, as well as from development zone management committees, chambers of commerce, and industry associations in development zones or science parks. Some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for their small business loans.

4. Local channels: If it is a member of a county-level industrial cluster or a local advantageous characteristic industry, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.

Extended data:

What are the loan methods for SMEs?

I. Comprehensive Credit Granting

In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

Second, the credit guarantee loan

In 3 1 provinces and cities, more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

Third, the project development loan

Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology 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 relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

Four, natural person secured loans

Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

Verb (abbreviation of verb) personal entrusted loan

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are:

The client applied for a loan from the bank.

Banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively.

The client meets the borrower directly to negotiate and make a decision on the loan amount, interest rate, loan term, repayment method and other specific matters and details.

After negotiating the requirements, the borrower and lender go to the bank together and sign the entrustment agreement with the bank respectively.

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

Intransitive verb discount bill loan

Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.

Seven, pawn loans

Pawn is a kind of loan method that takes real objects as collateral and obtains temporary loans in the form of real object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. In fact, in addition to pawn shops, small loan service agencies, guarantee companies, companies and other institutions are also developing vehicle mortgage loans.

Eight. intellectual property

Intellectual property refers to the fact that small and medium-sized enterprises apply for financing from banks after evaluation with the legally owned patent rights, trademark rights and property rights in copyright. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally need the legal representative of the enterprise to take out insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.

3. Can I get a loan by opening a courier company?

1 commercial loan (SME loan) loan amount (500,000-2 million), monthly interest rate 1.5%, loan area (nationwide), and term (within five years). You need a copy of the company's business license, tax registration certificate, organization code certificate, legal representative's ID card and fixed assets mortgage.

The company can give the customer a definite reply whether it is approved or not within 1 day, and pay within two days at the earliest. 2 personal loans (personal credit loans), the monthly interest of the loan amount is 2.5% (200,000-500,000), the loan area (the whole country), and the term (within five years). You need to provide your valid documents (such as ID card and household registration book), home address, home fixed telephone number and proof of income. Large loans need to provide their own real estate license or car driving license, as well as materials that strongly prove their repayment ability for review.

Operating loan conditions for small and medium-sized enterprises: 1, which is in line with national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; The bank has a good credit standing, has no business license approved and registered by the bad credit department, has passed the annual inspection, holds a loan card issued by the People's Bank of China, and is undergoing a normal annual inspection; It has a business management system and a financial management place, operates legally, and its products have market and benefits; 5. Have the ability to perform the contract and repay debts, have a good willingness to repay, have no bad credit record, and have the actual experience that the actual controller is classified as normal or non-financial factors for more than 3 years; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; 8, in line with the establishment of small enterprises related to the industry credit policy and the relevant provisions of the banking industry; 10. Open a basic settlement account or a general settlement account with the applicant bank.