I. Relevant background and reasons
Qiu Company was established on September 65, 1965, with a registered capital of 654.38+0 million yuan in 2005, and is wholly owned by natural persons. Qiu Man, legal representative and shareholder, female, 34 years old. There are more than 40 employees in the store. Before Qiu Company was registered, Qiu had been engaged in the catering industry and opened a spicy private restaurant. Later, Qiu Company was established, and two stores were opened in Nanguo Beidu City Plaza in Jiang 'an District and Yuexiu Xinghui Harbor Shopping Center in Qiaokou District. In June and July of 20 16, two stores were opened in Zhongyuan Square and Jianghan Road subway business circle in Qingshan District respectively. They have a good reputation on the Internet.
Qiu Wei Company is currently in a period of development and growth. In the early stage, I handled a one-year loan twice in the rural commercial bank, totaling 750,000 yuan, of which 450,000 yuan was a one-year loan, with interest paid first, due on September 27, 2065438+2006. At this stage, the daily operating funds of the four stores are relatively tight, and there is no remaining funds to repay; Qiu Man, the borrower, applied for the loan to make up for the shortage of liquidity in the company's operation and the recent turnover of funds due for bank loans, and promised to repay the loan with his company's operating income and provide mortgage guarantee with a local property. The property is jointly owned by Qiu Man and Wu Cuihua (Qiu Man accounts for 99%, Wu Cuihua accounts for 1%), and Qiu Man and Wu Cuihua have a mother-daughter relationship. Property right nature: sold/market-oriented commercial housing, house use: other commercial land/office, and the house is now rented.
Second, the event process
After Qiu Man and Wu Bo submitted their loan applications to Wuhan Bangxin Microfinance Co., Ltd. on September 3, 20 16, our company immediately sent credit personnel to conduct on-the-spot investigation on the borrower's qualification, loan purpose, operation and collateral, and collect and check relevant information. The loan officer then visited one of the newly opened Jianghan Road stores in July to confirm the operation of the company's stores. Complete the investigation report on September 14 and submit it to the Risk Department.
After preliminary examination, the Risk Department believes that it can be reported to the company's loan review meeting for approval, and the company's loan review meeting will be organized on September 14. Members believe that the borrower is expanding rapidly and the collateral is an office building. According to the loan officer's on-the-spot investigation of the company's stores and the feedback from online platforms Meituan and Volkswagen, it has a good reputation, normal operation, location in the business circle and good traffic. The appraisal price of real estate is appraised according to the market transaction price, and the mortgage rate is controlled within 50%;
To sum up, the members of the Loan Review Committee unanimously agreed to grant co-borrower Qiu Man and Wu Cuihua a loan of 400,000 yuan with equal principal and interest for a period of 24 months with the house as collateral and Bailey (Wuhan) Business Information Service Co., Ltd as guarantee. On September 14, the IEC signed its opinions and agreed. Report to the headquarters approval center for approval.
After receiving the reported project, the approval center of the Head Office approved the borrowers Qiu Man, Wu Cuihua and A to borrow 400,000 yuan with equal principal and interest for 24 months according to the requirements of national mortgage products.
On September 20, the loan officer and the risk officer signed a contract to ensure the integrity of the contract and documents signed by the borrower and prevent customers from coming back to sign the contract. After the risk management personnel complete the mortgage procedure, the receipt is uploaded to the system and the loan process is followed. The Finance Department issued a loan of 400,000 yuan to the borrower on September 2 1 2065438.
Three. case analysis
(1) Analysis of the basic situation of the loan
Company and personal credit information
After inquiring about the third-party information such as the national enterprise credit publicity system, the national court executor information inquiry and Qixinbao, Qiu Wei Company has no information related to the execution of the prosecution and no bad information; Qiu Man, the company's legal person, his spouse Wu Bo and his mother Wu Cuihua inquired through the credit information system of the People's Bank of China. The overdue situation in recent two years shows that Qiu Manlian is 1+4, Wu Bolian is 1+7, and the overdue amount in the current period is 1, 878 yuan (returned, and the credit data is delayed), and Wu Cuihua is 0+0, which meets the requirements of Rongyiya products.
condition of assets
Qiu Man and Wu Bo have three houses, namely, Room 04, Floor 6, North-South Huadu Plaza, Gusaoshu Road 12, Jianghan District/Building KLOC-0/. The planned use is office, with a building area of 48.82 square meters. Building D4 2, Lishui Jiayuan, Dongxihu District 1 Unit 1 Room, with a construction area of 98.7 1 m2. No.264-282 Zhongshan Avenue, Qiaokou District 10 Building 16, planned for office use, with a construction area of 54.42; According to the market price, the valuation is about 2.54 million yuan. To sum up, the operating results accumulated over the years,
The company operates itself.
The company's main licenses are complete. Although the company's license has only been established for one year, Qiu Man and Wu Bo, legal persons of the company, have been engaged in the catering industry for many years and are sensitive to the market. Qiu Man himself is a big eater and likes to study recipes. It was very spicy, so he created a series of recipes. At the same time, he founded spicy private cuisine, which is very popular in the market. The US Mission and the public commented well. To meet the market demand, he opened two new stores in Qingshan District and Jianghan District. The storefront is located around the business circle, with mature facilities and concentrated crowds. Wu Bo is responsible for the daily operation and management of the company, and Qiu Man is responsible for the production and publicity of dishes. The clear division of labor between the two is conducive to the orderly operation and development of the company.
(2) Analysis of mortgage loan scheme
Purpose of loan
The purpose of this loan is to repay part of the loan of RMB 450,000.00 yuan from Wu Bo Rural Commercial Bank on September 27th, 2006, and the remaining funds are used for the turnover of two newly opened stores this year.
Subsidiary conditions
The collateral of this loan is located at No.264-282, Zhongshan Avenue, Qiaokou District/Floor 6 10.
The property is owned by Qiu Man and Wu Cuihua (accounting for 99% and 1% respectively), and the property ownership certificate number is E (20 16) Wuhan _ Kouqu Property Ownership Certificate No.0004646, with a construction area of 54.24_ _ _. The nature of the right is: selling/marketing commercial housing, and the purpose is: other commercial service land.
In order to be prudent, we selected a number of online inquiries such as Fangtianxia, Anjuke and 58 Tongcheng to evaluate the value of collateral, and the final evaluation value was determined according to the principle of lower. The minimum amount of the appraisal value used here is 865,438+0,000 yuan. The location of the collateral is good, the transportation is convenient and the surrounding facilities are mature. The mortgaged property is currently rented, with a monthly rent of 2,000 yuan, and the tenant is a nearby office worker.
③ Solvency
The company has opened two stores in Jiang 'an Nanguo Beidu City Plaza and Yuexiu Xinghui Harbour Shopping Center, and now it has opened two stores in Zhongyuan Square and Jianghan Road in Qingshan District in June and July of 20 16. The online reputation is good, with a monthly turnover of 1 10,000 yuan (excluding two new stores) and a net income of 1 10,000 yuan. Collateral for rent, the monthly rent is 2000 yuan, and the tenant is a nearby office worker.
The total liabilities of borrowers Wu Bo and Qiu Man are RMB 6,543,800+0.723 million, including operating loan of RMB 750,000, mortgage loan of RMB 2,654,380+0.10.03 million and credit card of RMB1.10.03 million. The monthly repayment amount is 76,565,438+0 yuan, and with this loan of 400,000 yuan, the monthly repayment amount is 65,438+092,365,438+0 yuan, so the total monthly repayment amount is 26,882 yuan.
To sum up, the monthly income is greater than the monthly repayment amount, so the project has good solvency.
(3) Risk points and control measures
① Market risk
The company belongs to the catering industry and the market competition is fierce. Customers must be highly sensitive to the market and develop unique innovative business ideas in order to occupy a place. The company's operation is now in an expansion period, with large short-term cash flow demand and limited financing capacity. For the follow-up operation of the new store, it is necessary to maintain good cash flow and future market uncertainty risks.
Collateral is commercial office commercial housing, and the market transaction tax is relatively high, and the transaction volume is not high. The mortgaged property is leased, and the third party lessor participates in the follow-up.
② Risk prevention measures
In view of the above analysis, it is agreed to give Wu Bo, Qiu Man and Wu Cuihua 400,000 yuan, with a term of 24 months and equal monthly repayment of principal and interest. Preventive measures:
I. The company's legal persons Qiu Man and Wu Cuihua jointly own the property located at No.264-282, Zhongshan Avenue, Koukou District/Floor 0/6 10 as mortgage, go through the registration formalities and set up the first mortgagee. And according to the query prices of Fangtianxia, Anjuke and 58 cities, the low value is 8 1 10,000 yuan. Considering the market transaction tax, the mortgage rate is controlled within 50% and the mortgage rate is 49.3%.
Two. Wu Cuihua, the co-owner of the house, and his spouse Wu Bo were added as co-borrower. Additional guarantee institution Gabrielle (Wuhan) Business Information Service Co., Ltd. provides joint liability guarantee.
Three. In view of the fact that the mortgaged property is a lease, inform the lessee that the lessor has applied for a loan from our company, gone through the mortgage registration formalities and mortgaged the house to our company's name.
Four. Achievements and highlights
(1) The company's standardized products and quick approval process have acted as a "booster" in the loan business.
The company's business philosophy-to be the partner of small and micro enterprises, to be the enterprise benchmark of small loan industry, and to always serve small and micro enterprises; Through the company's business accumulation for many years, it timely launched the "Yi Rong Mortgage Loan Standardization Product" which meets the market demand. Product features: the loan period is long, up to 5 years; The repayment method is flexible, and the principal and interest can be matched monthly, and the repayment can be customized irregularly.
Soon similar products appeared on the market, and the company constantly optimized its internal system, improved its efficiency, streamlined its examination and approval mode, and realized rapid examination and approval and rapid lending. The business approval process fully reflects the timeliness, ensures the timeliness of customers' loans to a certain extent, and effectively alleviates the customer's capital turnover problem.
(2) Doing a good job in small and micro enterprises is an important basis for obtaining financing.
At present, bank mortgage products on the market have high entry threshold for small and micro enterprises, complicated procedures and low approval efficiency. One of the important assessment indicators is the company's operating performance and profitability in the past two years, and the product sales orders are strictly reviewed. Therefore, small and micro enterprises must do a good job in the initial stage of entrepreneurship.
It can be seen that financing mortgage loan is not only a product, but also a new financing means for enterprises, especially small and micro enterprises. In today's market economy environment, financing is difficult, and financing mortgage loans will surely bring a glimmer of light to many small and micro enterprises. Easy mortgage loan operation process is simplified and convenient to meet the short, frequent and urgent financing needs of small and micro enterprises.
Related Q&A: Is it a lie for Bangxin Microfinance website to ask you for remittance before handling it? You should be careful at this time. Most of the internet is problematic.