The Main Way Of Loans For Small And Medium Enterprises

　　 First, Entrepreneurship loan

Entrepreneurship loan It refers to a special loan that is issued by an individual who has certain production and management ability or has already engaged in production and operation activities, and applies for capital requirement because of entrepreneurship or re start. Eligible borrowers can get a single loan of 500 thousand yuan according to their personal resources and repayment ability. They can also apply for a higher loan amount for those who have reached a certain scale or become reemployment stars. The term of a business loan is usually 1 years and the longest is not more than 3 years. In order to support laid-off workers to start an undertaking, the interest rate of the venture loan can float down 20% according to the same class interest rate stipulated by the people's Bank of China. The loans for laid-off and unemployed people launched in many regions can also enjoy 50% of the government's interest payments.

　　 Two. Mortgage

At present, many personal loans handled by banks, as long as the mortgage procedures conform to the requirements, as long as the borrowers are not breaking the law, banks do not ask for the purpose of loans. For those who need to start a business, they can flexibly use their personal consumption loans to start businesses. The amount of mortgage loans generally does not exceed 70% of the collateral valuation price, and the maximum loan limit is 300 thousand yuan. If you want to purchase a commercial house along the street, you can apply for a commercial housing loan to the bank with the purchase of the house as collateral. The loan amount is generally not more than 60% of the value of the commercial housing valuation to be purchased. The longest loan period is not more than 10 years. Borrowers who need to buy cars, trucks, buses, mini cars and taxi operators can also handle car consumption loans, which generally do not exceed 80% of the purchase amount, and the longest loan period is not more than 5 years.

　　 Three. Certificates of deposit, treasury bonds and policy pledge loans.

In recent years, in order to improve the efficiency of marketing loans, banks have relaxed the demand for loan collateral while considering the risk of loans. Apart from certificates of deposit, they can also easily obtain personal loans with certificates such as treasury bonds and insurance companies. The certificate of deposit can lend 80% of the amount of the loan, and 90% of the loan amount of the Treasury bond loan. The amount of the policy pledge loan issued by the insurance company does not exceed 80% of the cash value of the insurance policy. The time limit for certificates of deposit and treasury bonds is not longer than the expiration date of the pledge. The longest period of time that a bank applies for personal insurance loan is not longer than the time limit for the payment of the pledge policy. In addition, mortgage loans such as self owned vehicles, taxi management warrants and individual owners' booth warrants can also be applied to medium and short-term mortgage loans.

　　 Four. Accounts receivable pledge loan

Accounts receivable pledge loan refers to the credit granted to a bank by a production enterprise as a pledge by the accounts receivable formed by its sales. The accounts receivable used for pledge must meet certain conditions, for example, the products under the accounts receivable have been sent out and accepted by the purchaser; the buyers (accounts receivable payers) have strong financial strength and no bad credit records; the payers confirm the specific amount of accounts receivable and promise to pay only the designated accounts opened by the sellers in the lending bank; the maturity date of accounts receivable is earlier than the repayment date stipulated in the loan contract. The pledge rate of accounts receivable is generally six to 80%. The information submitted by the applicant generally includes the original sales contract, the invoice, the receipt, the confirmation and the undertaking letter of the paying party and so on. Other required information is the same as general liquidity loan.

　　 Five, comprehensive credit.

That is to say, the bank grants certain amount of credit within a certain period of time to some enterprises which are in good condition and reliable credit, and enterprises can recycle them in the period of validity and quota. The amount of comprehensive credit is announced by the enterprise once and for all, and the bank will examine and approve once and for all. Enterprises can use money in installments according to their own business conditions. Borrowing and borrowing is also very convenient for enterprises to borrow. At the same time, they also save the financing cost of small and medium-sized enterprises. In this way, banks provide loans, usually for enterprises with business registration, annual inspection, good management, reliable reputation and long-term cooperation with banks. {page_break}

　 Six. Buyer's loan

If the product of a company has a reliable market, it can provide loan support to its purchasers in accordance with the sales contract under the condition that its capital is insufficient, the financial management foundation is poor, the collateral that can be provided or the third party guarantee is more difficult.

The seller can collect a certain proportion of the advance payment to the buyer to solve the financial difficulties in the production process. Or the buyer will issue a bank acceptance bill and the seller will take it to the bank for discount.

　　 Seven. Joint loan in different places

Some small and medium enterprises have a wide range of products, or provide supporting parts for some large enterprises, or loose subsidiaries of enterprise groups. In the process of producing collaborative products, replenishment of production funds is needed, and a leading bank can be sought to take the lead, provide loans to the group company's unification, and then provide necessary funds for the cooperative enterprises by the group company, and the local banks cooperate with the contract supervision. It can also be combined by the lead bank and the opening bank of the foreign cooperative enterprises.

　　 Eight. Project development loan

If some high-tech small and medium-sized enterprises have significant value transformation projects, the initial investment amount is relatively large, and their own capital is difficult to bear, so they can apply for the project development loan from the bank. Commercial banks will provide positive credit support to small and medium-sized enterprises with high technology products and patent projects with mature technology and good market prospects and technological transformation by using new and high technology achievements, so as to speed up the transformation of scientific and technological achievements.

　　 Nine, export earning loans

For enterprises producing export products, banks can provide packaged loans according to export contracts or credit visas provided by importers. For enterprises with foreign currency accounts, foreign exchange mortgage loans can be provided. For enterprises with foreign exchange income sources, Renminbi loans can be obtained on the basis of foreign exchange certificates. Enterprises with good prospects for export can also borrow a certain amount of technological transformation loans.

　 Ten, bill discounting SME financing

The discounting of small and medium enterprises financing refers to the transfer of commercial documents to banks by the notes holders, and the funds obtained after deducting the discount interest. In our country, commercial bills mainly refer to bank acceptance and commercial acceptance. One of the advantages of this SME financing method is that banks do not lend money in accordance with the scale of their assets, but rather lend money on the basis of market conditions (sales contracts). The days when enterprises receive bills to be negotiable to maturity are usually few, but dozens of days, and 300 days more. If the enterprise can make full use of the discount of the bills, the financing of the small and medium-sized enterprises is much simpler than the application for loans, and the financing cost of the small and medium-sized enterprises is very low. The bill discounts only need to bring the corresponding notes to the bank to handle the relevant formalities, and it can normally be completed within 3 business days.

　 Eleven, intellectual property pledge loan

Intellectual property pledge loan refers to the legal right to patent, trademark, and property rights in the copyright, which is applied to the banks for financing after the assessment. Because of the particularity of the implementation and Realization of intellectual property rights such as patent rights, only a few banks provide financing convenience to some SMEs, and generally need to be insured by the legal representatives of enterprises. Nevertheless, those small and medium enterprises with independent intellectual property rights can still try.