1. Commercial banks: Generally speaking, they are local branches that can provide loans in Kunming, such as China Construction Bank, Bank of Communications and Minsheng Bank. It is said that in February 2020, they have provided 47 enterprises in Kunming High-tech Zone with nearly 4.58 billion yuan of financing such as credit loans, mortgage loans and pledge loans. There are many advantages in handling enterprise loans in commercial banks, such as high loan amount, long loan period and low interest rate, but it is difficult for enterprises with poor qualifications to get loans because of the high threshold, long approval time and complicated process of commercial banks.
2. Private loan companies: Private loan companies have low corporate loan thresholds and relatively simple processes. They are the most selected loan platforms for many small and medium-sized enterprises, but they are only suitable for short-term capital turnover with high interest and short term. The important thing is that the qualifications of loan companies are different, so we must choose companies with formal lending qualifications.
3. Online lending platform: Generally speaking, online lending platform has the characteristics of low application threshold, simple review process and fast payment. Like well-known micro-business loans and micro-business loans, it can also be regarded as a kind of online loans, which can provide credit loans for small and medium-sized enterprises.
The above is the introduction of the enterprise loan platform in Kunming, Yunnan. I hope the answer helps.