Along with borrow along with still borrow money circularly
Groovy loan is brushstroke commonly of one Qing Dynasty, do not permit loan loop, at present partial bank is aimed at the steam again characteristic of small company business income, rolled out small company to manage a loop to borrow money, the small company that suit guaranty or assures all can apply for to deal with to the bank. This kind of loan is mixed by the bank borrower is one-time sign loan contract, the time limit that sets in the contract and highest forehead are spent inside, can at any time loan, at any time reimbursement, can use circularly. Procedures of this kind of loan is handy, receipt for a loan fills in only when loan, chase a pen to sign loan contract no longer later. Current, the Construction Bank, smooth big bank have similar loan product.
Conjugate combines couplet to guarantee loan
This is breed of a when bank of latter part share-holding system rolls out new loan, it can be better help bank is on guard loan risk. This kind of loan is borrower the combination that through pay the means composition of certain earnest money helps each other assures group, offer loan to assure to assure each other, the bank extends with this the loan that certain specified amount spends. This kind of guaranty that borrows money not to need other and assure, the mutual supervisory peace treaty between more support industry bundle. The city commercial firm such as Shanghai bank, Shanghai agriculture bank is the pioneer of this kind of loan, and quite mature already, special the reception that gets each district guild.
Bill discount is OK financing
Very much small company can receive the business cooperate to just open the commercial money order that give when conduction settle accounts, among them bank acceptance and commercial accept bill of exchange need cash of proper time ability, at this moment a lot of small companies often can date of cash of sit back and wait arrives. Actually, accept bill of exchange can conduct bill discount business to the bank, it is the important resource of short-term financing. This kind of business is chamberlain or the person that oppose a bill files undue bank acceptance or commercial accept money order discount to the bank, chamberlain pays money instantly after the bank can deduct discount interest by par amount.
Movables mortgages dish of vivid capital
The share-holding system bank such as action business, the people's livelihood, wide hair and economy of partial privately owned developed the state-owned commercial bank of the area rolled out the movable guaranty that basically is aimed at small company in succession loan business. Movable mortgage loan is to show borrower has oneself with its or all commodity, raw material, car reachs the 3rd person the movables such as equipment mortgages to the bank, usable also national debt, deposit receipt, silver-colored ticket undertake impawn, win the way of a kind of financing of capital from the bank. The procedure that handles movable mortgage loan is very simple, the article that should approve the bank only has mortgage, with respect to the loan that can get certain specified amount easily to spend. This kind " dead thing becomes vivid money " the flavour that loan mortgages mode has bit of mortgage, but the interest rate that its loan interest rate goes under hock greatly however, suit to lack the common guaranty resource, small company that has short-term loan use.
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