Entrepreneurial Treasure Book: The Success Of A Business Loan Application Has To Pass 3 Passes.

At present, many banks have launched personal short term micro venture financing business, and can often play a role in providing timely help to entrepreneurs who are in the start-up stage.

However, because the threshold for applying for loans is too high, the demand for the loan market is large and the number of applicants is large, but there are few people who get the money.

10 people applied only 1 yuan to get a loan of $200 thousand yuan. Mr. Zhang, who was the owner of the clothing wholesale business, had a tight liquidity. Fortunately, he applied for a loan of 500 thousand yuan in the bank.

With the help of this fund, business has been developing rapidly. In two years, the average annual operating income reached 5 million yuan, with an average annual net profit of 800 thousand yuan.

Although there are still some successful cases like Mr. Zhang, the majority of those who failed to apply for loan assistance were mostly.

The reporter learned about 3 banks that launched similar personal venture loans. The banks all said that the market of the venture loan was large, and the number of applicants was also quite large. However, because the banks had relatively strict control in the examination and approval, they received less money.

"Ten people apply for a successful person, even if it is very good."

Insiders of a joint-stock commercial bank frankly said.

The success of the application is three passes. According to the general introduction, entrepreneurs usually have to pass three barriers to apply for success.

One is qualification: the loan applicant must have a fixed residence or business place, followed by a business license and a business license, a stable income and the ability to repay the principal and interest; and the third most important point is that the entrepreneur's investment project already has a certain amount of his own capital.

After meeting the above conditions, we must prepare the application materials.

The information includes: proof of marital status, personal or family income and property status and other repayment capability certificates; related agreements, contracts, collateral materials, credentials and inventories relating to collateral or pledge, and the valuation report issued by the appraisal department approved by the bank.

Finally, there is collateral.

There are many ways of mortgage, such as movable property, real estate mortgage, time deposit certificate pledge, securities pledge, and movable property pledge with strong circulation, which is guaranteed by the guarantor who meets the requirements.

The amount of payment is determined according to the specific guarantee method.

Bank insiders say that all these links, especially the assessment, give the applicant a special headache, which involves a lot of time and effort.

The bank said that although the market of the venture loan is relatively large, it is still cautious about issuing loans.

If the lender is not fully grasped, it usually does not lend, because banks can not really understand the lender's loan purpose.

In order to make a loan business, banks have done enough work.

Before the loan, in addition to understanding the creditworthiness of the lender, banks should also conduct detailed checks on their occupations, occupations, loan uses and mortgages.

After the loan, it is necessary to regularly understand the use of funds by the lender, and should take immediate steps to identify suspicious places.

If the lender has overdue repayment, he or she will have to call or interview, or even pursue it through legal channels.

Both banks and applicants have done their best, but they are unable to bloom much and produce less results.

The bank said that the fundamental reason is that our credit reporting system has not been established and perfected.

Banks can not fully grasp the applicant's credit situation by making full use of manpower and resources.

In the bottom of my mind, I can only control risk by raising the threshold.