Hello, I'd like to introduce ICBC's personal business loans, unit fixed assets loans and unit working capital loans to you. I hope it will help you:

Personal business loans:

Personal business loans are RMB-guaranteed loans issued by the Bank to individuals (natural persons) for their legitimate business activities. At present, it is only limited to accepting personal business loan applications from natural persons with business entities.

I. loan use

The use of personal business loans is limited to the borrower's normal capital turnover needs in the course of business operation, and the loans shall not flow into the securities market and futures market in any form, or be used for equity investment, real estate project development, or for projects that are clearly prohibited by laws and regulations of other countries.

2. China citizens with loan conditions of 1, age of 18 (inclusive)-61 (inclusive) and full capacity for civil conduct have permanent residence in Beijing, permanent residence or valid residence certificate;

2. The borrower has a business entity and has obtained a personal credit rating above Grade A (not implemented at present);

3. The borrower and its business entity have good credit records and repayment willingness, and have no record of breach of contract with the Bank and other financial institutions;

4. Have a stable income source and the ability to repay the loan principal and interest in full and on time;

5. It can provide legal, effective and reliable pledge and mortgage guarantee recognized by the Bank;

6. He has more than one year's working experience and good working record in his business field, and the operating period is in principle more than one year (inclusive);

7. open a personal settlement account with our bank;

8. The operation is good and the cash flow is stable;

9. The product has a market, benefits and good business prospects;

11. The business entities (including individual industrial and commercial households, sole proprietorships and partnerships) owned by the borrower and spouse have no financing in the Bank;

11. Other conditions stipulated by the Bank.

III. Providing information

1. Personal loan application form filled out by the applicant.

2. Personal identity document, household registration book, residence certificate and marital status certificate.

3. Personal income certificate or personal assets status certificate.

4. Proof of loan purpose (such as purchase contract, etc.).

5. In case of pledge guarantee, the pledge certificate shall be submitted; in case of pledge with the rights of a third party, the identity certificate of the pledger and the written certificate of consent to pledge shall also be provided; In case of mortgage guarantee, the property right certificate, appraisal report and written proof that the owner (if any) of the property agrees to mortgage shall be submitted; in case of mortgage of the property of a third party, the identity certificate of the property owner and written proof of consent to mortgage shall also be provided.

6. documents certifying that the business entity agrees to undertake joint and several guarantees.

7. The annual business license, tax registration certificate, articles of association or partnership agreement, capital verification report and investment agreement of the business entity.

8. Other relevant materials required by the Bank.

iv. the loan term

is generally 1 years (inclusive), and the longest is no more than 3 years.

V. Loan Guarantee

1. Individual business loans must provide guarantees, which are limited to pledge guarantee and mortgage guarantee, and the business entity must also provide joint liability guarantee.

2. in case of pledge guarantee, the scope of pledge shall comply with the relevant provisions of the head office on pledged loans.

3. In case of mortgage guarantee, the collateral must be the personal house or personal commercial house under the name of the borrower himself or a third person (natural person only). Collateral must have clear property rights, full value, easy realization and complete property rights. It is forbidden to use divided sales stalls in large shopping malls, serviced apartments and other properties that are difficult to realize due to property rights disputes as collateral, to accept mortgaged properties as collateral, and to accept residential houses necessary for the life of borrowers and spouses as collateral. The determination of the value of collateral shall be evaluated by an evaluation company recognized by the Bank. To apply for personal business loans by means of mortgage guarantee, the borrower must apply for collateral property insurance with the insurance company designated by our bank, and make it clear that the first beneficiary is our bank.

fixed assets loans:

fixed assets loans refer to local and foreign currency loans issued by China Industrial and Commercial Bank for borrowers' fixed assets investment projects such as new construction, expansion, renovation, development and purchase.

1. Types of loans

1. General project loans: The local and foreign currency loans that customers apply to China Industrial and Commercial Bank for due to capital needs arising from fixed assets investment activities can be divided into capital construction loans, technological transformation loans and scientific and technological development loans according to the different purposes of the loans.

1) Capital construction loan: refers to the loan for capital construction such as infrastructure, municipal works, service facilities and newly-built or expanded productive projects which are approved by the competent departments of the state.

2) technical transformation loan: it is a loan for technical transformation projects of existing enterprises focusing on connotation expansion and reproduction.

3) science and technology development loan: refers to the loan granted for the research and development of new technologies and new products, and the transformation or application of scientific and technological achievements to the production field.

4) Commercial outlet loan: refers to the loan that commercial, catering and service enterprises apply to the bank for the funds needed to expand outlets, improve service facilities and increase storage area when the self-raised construction funds are insufficient.

2. M&A loans: loans in local and foreign currencies issued for the financing needs of domestic advantageous customers arising from paid mergers and acquisitions of other domestic enterprises and institutions, completed projects and asset and debt restructuring. In view of the particularity of this loan, China Industrial and Commercial Bank has formulated special measures to standardize the approval and management of this kind of loan. For details, please consult the institutions above the county branch of China Industrial and Commercial Bank.

3. Temporary revolving loan: an advance short-term loan granted to customers who have promised loans from China Industrial and Commercial Bank to purchase equipment or building materials during the project construction, because the planned funds cannot be put in place temporarily.

4. Foreign exchange to loan: loans provided by foreign governments and financial institutions (lenders) to Chinese borrowers and lent by domestic banks. This kind of loan usually has certain advantages, such as lower interest rate and longer term. The object, purpose, amount, term and interest rate of this kind of loan are all decided by the lender, which usually has certain benefits, such as low interest rate (generally 1.2%-1.3%, and some even interest-free) and long term (generally between 11 and 41 years, with a grace period of 2-15 years).

III. Information provided:

1) Borrower's business license, articles of association, loan certificate and loan application.

2) the original audit report of the borrower (investor) in the last three years, and the balance sheet, profit and loss statement, cash flow statement and notes attached to the audit report.

3) List of existing liabilities and credit status of the borrower.

4) the approval of the project by the competent department, the feasibility study report of the project, the approval documents of the environmental protection department and other competent departments, and the conclusion of the authoritative department.

5) analysis data of market supply and demand, product price and industry status.

6) documents certifying the source of funds for project construction.

7) Project construction schedule and fund use plan.

8) loan repayment method and plan, and the borrower's cash flow forecast materials during the project construction period and loan repayment period.

9) loan guarantee intention or commitment, guarantor's business license, financial statements, contingent liabilities, and description of mortgaged (pledged) things. Borrower's business license, articles of association, loan certificate (card) and loan application.

11) legal opinions issued by legal affairs departments at the same level.

working capital loan:

working capital loan is a local and foreign currency loan issued to meet the temporary and seasonal capital demand of customers in the process of production and operation, and to ensure the normal production and operation activities.

1. Types

According to the loan term, it can be divided into temporary working capital loans, short-term working capital loans and medium-term working capital loans:

1. Temporary working capital loans: the term is within 3 months (inclusive), which are mainly used for the temporary capital needs of enterprises to purchase goods at one time and to make up for the shortage of other payment funds.

2. Short-term working capital loan: the term is from 3 months to one year (excluding 3 months, including one year), which is mainly used for working capital for normal production and operation of enterprises.

3. Medium-term working capital loan: the term is from one year to three years (excluding one year, including three years), which is mainly used for the funds frequently occupied by enterprises in normal production and operation.

II. Loan conditions

1. The borrower shall be an enterprise, other economic organizations and individual industrial and commercial households with independent legal person status approved and registered by the administrative department for industry and commerce (or competent authority).

2. Abide by national policies and regulations and the bank's credit system, and produce and operate within the scope permitted by national policies.

3. The management system is sound, the financial position is good, and the asset-liability ratio meets the requirements of China Industrial and Commercial Bank.

4. It has a fixed production and operation site, the products have a market, and the production and operation are profitable. It does not occupy or misappropriate credit funds, and abides by credit.

5. He has opened a basic account or a general deposit account in the agency of China Industrial and Commercial Bank of China or China Industrial and Commercial Bank of China, and has a "loan certificate" issued by the local people's bank. His business is normal, his funds are running well, and he has the ability to repay the principal and interest of the loan on time.

6. The annual inspection formalities shall be handled by the industrial and commercial department.

7. Except as stipulated by the State Council, the accumulated amount of equity investment in foreign equity of limited liability companies and joint stock limited companies does not exceed 51% of their net assets.

Note: Enterprises applying for medium-term working capital loans must also meet the following conditions:

1. Enterprises rated as Grade A or above according to the credit rating standard of Industrial and Commercial Bank of China;

2. The scale is large, the production and operation activities are normal, and the asset-liability ratio is lower than 71%;

3. There is a market for products, and the production and sales rate in recent three years is above 95%; Production and operation are profitable, and there is no loss in the past three years; Good reputation, no default on interest, and the loan can be repaid on schedule;

4. Do not misappropriate working capital to invest in fixed assets.

III. Providing information

(1) The borrower applies for a loan, fills in the Loan Application Form, and provides relevant information according to the loan conditions and requirements proposed by the bank. (If it is a new account opening enterprise, it shall first establish a credit relationship with China Industrial and Commercial Bank in accordance with relevant regulations. ) In general, the important information required by the bank includes:

1. Basic information of the borrower and guarantor.

2. the financial report of the previous year approved by the accounting (auditing) department and the financial report of the previous period before the loan application.

3. Utilization of enterprise funds.

4. List of mortgaged and pledged objects, proof that the person with the right of disposition agrees to mortgage and pledge, and guarantor.

5. Relevant supporting documents of the proposed consent guarantee.

6. Project proposal and feasibility report.

7. Other information that the bank considers necessary.

due to the business differences in different regions, I suggest you check with the local 95588 for details, thank you! :)