Understand the enterprise bank loan conditions? To understand the flow of bank loan?

How to establish the credit loan business?
Apply for credit card, often loan, to establish long-term lending relationship line of credit;
To establish a good financial environment, financial reporting standard;
Build good relationship with the bank;
Review of the legal representative of the company and the shareholder credit;
The importance of intellectual property rights,
Understand the business model, organizational business processes, workflow system, working environment, usually prepared data
The bank in order to reduce the risk, in the small business credit, to customer classification, formulate the corresponding loan policy;

Banks like corporate loans:
A good credit record (no taxes, no wages, not owed to suppliers of funds)
Has good profitability
In line with national industrial policy, environmental policy
To provide marketable products
Provide real business transaction information
With the help of the government, intermediary platform

Classification of bank loans?
The loan on schedule length divided into short-term loan, medium and long-term loan.
According to whether the guarantee loans into credit loans and guarantees loans (mortgage, pledge loans).

Loans include loans guaranteed (such as: government policies such as guarantor),
Mortgage loans (such as: real estate and other fixed assets),
Pledge loans (such as: stocks, funds, securities and other securities, intangible assets).

The principle of bank loan:
Commercial bank loans, the loan should be implemented, separation, grading examination and approval system;
Commercial bank loans, the borrower shall provide a guarantee. After examination, assessment of commercial bank, to confirm the good borrower's credit, it can repay the loan, can not provide guarantee;
The loan from the pre-sale, sale, after sale service, risk assessment, market and customer orientation, to the enterprise field to understand, to prevent bad debts due diligence, tracking, monitoring service;
Loan transfer inform;
The lender for loans, bank loans to establish information linkage mechanism, special fund is special;