Small and medium-sized enterprises to obtain bank loans skills:
    Establish good relationship between banks and enterprises.
    To pay attention to credibility.
    To the feasibility study report written investment projects, highlight the project characteristics.
    Select the appropriate timing of the loan.
    Get the support of SMEs credit guarantee institution.

(1) business loans
    Business loan is a special loans to certain production capacity or have been engaged in the production and operation activities of individuals for business or venture capital requirements for recognized by bank guarantee and effective after payment. Eligible borrowers according to their personal resources status and repayment capacity maximum single loan of 500000 yuan to support. The business has reached a certain scale, can give a higher amount of the loan. Business loans generally for a period of 1 years, the length of not more than 3 years. Support laid-off workers entrepreneurship, business loan interest rate in accordance with the provisions of the people's Bank of the same interest rate to float downward, and can enjoy a certain proportion of government subsidies.
    (2) mortgage
    The need for business people can be used for personal consumption loan business. Amount of mortgage loans are generally not more than collateral assessment price 70% the maximum loan limit of 300000 yuan. If the business needs to purchase the commercial housing can take to purchase house as collateral for commercial housing loans to bank loans generally do not exceed the amount to buy commercial housing 60% of assessed value maximum loan period does not exceed 10 years.
    Suitable for Entrepreneurs: immovable property mortgages, real estate mortgages, intangible assets low-pressure loans.
    Real property mortgage loans. Entrepreneurs can land, housing and other real estate collateral to obtain loans from banks.
    Chattel mortgage. Entrepreneurs can to stocks, bonds, corporate bonds and other securities by the bank admitted, as well as the gold and silver jewelry and other movable property as collateral to obtain loans from banks.
    (3) loans
    In addition to pledge to Treasury bills, certificates of deposit insurance policy and other documents can easily get personal loans. Certificates of deposit pledge loan loan deposit amount 80%; Pledge Loan Debt Loan Debt denomination of 90%; no more than the insurance company launched the policy loan amount policy when the cash value of 80%.
    From look on the range of mortgage, the range is relatively wide, like deposits, bonds, bills of lading, trademarks, industrial property rights can make a pledge. Entrepreneurs can only find belongs to own thing, the right to pledge, can apply for bank loans.
    (4) guaranteed loans
    If you do not have deposit, Treasury has no policy but your spouse or parents to have a good work which is the perfect credit resources stable income. The current bank of high income stratum show special preference to lawyers, doctors, civil servants, business unit staff and financial industry personnel are listed as the credit loan preferential treatment of these workers only need to find one to two colleagues guarantee can get 100000 yuan guarantee loans in ICBC, CCB and other financial institutions in ready for all kinds of material circumstances that day can be approved to quickly access to venture capital.
    (5) laid off workers microfinance
    According to the "where the age of laid-off and unemployed workers within 60 years, healthy, honest and credit, have certain working skills, self occupation, self-employed or partnership and organized employment, can hold by the labor and social security departments re employment concession card to the commercial bank or its branch to apply for small loans secured, entrepreneurs you can hire belongs to laid-off and unemployed personnel, after consultation, can re employment concession card, apply for unemployment loan. Everyone can be the highest standard of twenty thousand yuan of loans, and the interest rate is the lowest among the local bank loans. If companies employ 10 laid-off personnel, can enjoy the highest 200000 yuan low interest loans.
    (6) international trade financing
    International trade finance refers to the government and banks to provide import and export business related to import and export trade settlement of short-term financing or credit facility. These operations include letters of credit, import bill advance, delivery guarantee, export negotiation, packing loan, foreign exchange bill discount, international factoring, forfaiting, export buyer's credit.
    1) international trading of short-term financing
    * exporters can obtain short-term funds from the imported goods and bank. Including: ① importers to exporters advance. The bank provides loans to exporters, such as no collateral loans, bank against trust receipt loans, mortgage loans, export commodity packing loan, mortgage loan on goods in transit, exotic storage loans.
    * the importer can obtain short-term funds from exporters and banks. Including: ① the exporter to the importer to provide loans, such as credit, the credit account. The bank provides loans to importers. Including the direct financing of importers, acceptance bill discount, bank acceptance credit, credit financing.
    2) long term financing in international trade (export credit) export credit is the government or the bank in order to encourage domestic enterprises to export products, and providing credit to its exporters, foreign economic activities in the future or the importer's bank. This is the small and medium-sized enterprise funds to alleviate the pressure of important trade financing. Includes two aspects: the seller's credit, buyer's credit.
    Seller's credit refers to credit to its exporters bank, an export credit again by the exporter to the importer to provide a deferred payment credit.
    Buyer's credit that the exporter, the bank draft or Credit Company to provide loans to the importer's bank or importer, broad-minded this a form of export commodities export credit.
    (3) the compensation trade financing
    Compensation trade financing refers to foreign institutions of machinery and equipment, to the domestic enterprise technical service and training as a loan, the project put into production, the domestic enterprises to the products of the project or other methods agreed to repay the economic activity. This way is to solve the equipment, small and medium enterprises backward technology, shortage of funds is one of the effective ways. The financing way to advance enterprise by foreign equipment, technology import, and then to the acquisition of income or product installment import price.
    The general procedure is:
    Feasibility study of project financing. Including investigation project in the country and the enterprise construction environment and conditions, such as matching funds, technology, personnel, raw materials, land, infrastructure and related national policy; economic effect, social effect and certification programs; because of the product in the face of the international market, international competitiveness and overseas market outlook is required certification of the product the.
    Sure, approval for project. After the project feasibility authentication, the data reported to the regulations of the Department in charge of examination and approval.
    Negotiations with foreign investors. The main contents of negotiations including equipment or technology performance, price, quantity, installation, repair, personnel training; transfer ownership of technology property right field roof; pay the number of products, specifications, quality standards; repayments.
    The signing of the contract. The two sides reach an agreement, the negotiation result into the contract.
    The performance of the contract. After the effective date of the contract, both sides according to the stipulations of the contract operation, the enterprise according to the stipulations of the contract for trade financing to pay.
    (7) a comprehensive credit
    A comprehensive credit, the bank for some operating conditions, good credit and reliable quality (customers or to provide low risk guarantee customers), awarded for a certain period of time within a certain amount of credit lines, enterprises can be recycled in the scope of validity and the amount.
    Comprehensive credit lines by the one-time report the relevant materials, the bank one-time approval. Enterprises can according to operating condition their staging with, with, but also saves the cost of financing. Comprehensive credit quality customers conditions:
    Credit rating in the AA+ (including) the above.
    A good value of assets and liabilities rate is not higher than the customer's industry.
    Contingent liabilities balance does not exceed the net assets.
    Nearly two years without operating losses, the first half of the rate of return on total assets of not less than the industry average.
    In the past two years with no bad credit records.
    (8) loan guarantee
    Loan guarantee refers to the borrower to provide consistent with the statutory conditions of the third party to the bank guarantee, as a repayment guarantee, when the borrower can not perform the repayment, the banks have the right to request the guarantor to perform or bear joint liability borrowing loans in accordance with the agreed. Including the natural guaranteed loans, by a professional Guarantee Corporation secured loans, loan guarantees, managed. According to the above methods, but also the formation of the specific financing method more. For example:
    1) discount note financing. Refers to the holder of a bill to commercial paper (mainly bank acceptance and transfer to the bank, obtain deduct) discount interest funds. Financing in this way, the cost is very low, only need to take some notes to the bank to handle the relevant formalities.
    2) intellectual property mortgage loans. Refers to the legitimate ownership of the patent right, trademark right, copyright after assessment to apply for bank financing.
    3) loan for export. Refers to the production of export products, enterprises, banks on the basis of the export contract, provide or importer's credit visa, provides a packing loan; the foreign exchange accounts of enterprises, can provide foreign exchange mortgage loan; the source of foreign exchange earnings of the enterprise, can with the settlement of foreign exchange receipts for RMB loans; optimistic about the export prospects of enterprises can also be business transformation, to borrow a certain amount of the loan.
    In addition, for small temporary borrowing, also can use credit card overdraft way to get money. At present, the bank credit card overdraft function growing. A credit card is less 3000 yuan, 5000 yuan, for small business entrepreneurs, several shareholders or several family members, each one more card, in a certain period of time (such as 60 days), also can solve the purchase without financial situation.