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根据现行有关金融法律法规及中国人民银行颁布的《贷款通则》的规定,企业申请贷款的基本条件是: 1.企业(借款人)应当是经国家工商行政管理机关(或主管机关)核准登记、依法注册并持有营业执照的企业(事业)法人。 2.企业必须是实行独立的经济核算,具有法定的经营自主权,有独立的营运资金,能在国家政策允许范围内开展业务活动,有权同其他单位订立经济合同,单独计算盈亏,有权独立处理债权、债务,有单独的业务和财务计划、会计报表。 要求贷款企业应实行独立核算,具有经营上的独立性,具有法人资格是证明企业有独立进行商品流转活动的权利和能力。
According to the current regulations on financial laws and regulations and the “General Rules on Loans” promulgated by the People’s Bank of China, the basic conditions for enterprises to apply for loans are: 1. The enterprise (borrower) should be approved by the State Administration for Industry and Commerce (or the competent authority) for registration. Enterprises (businesses) legal entities that are legally registered and hold business licenses. 2. The company must implement independent economic accounting, have statutory operational autonomy, have independent working capital, be able to carry out business activities within the scope allowed by the state’s policies, have the right to enter into economic contracts with other units, calculate profits and losses separately, and have the right to Independent processing of credits and debts, separate business and financial plans, and accounting statements. Loan companies are required to implement independent accounting and have operational independence. Having legal personality is to prove that the company has the right and ability to carry out commodity circulation activities independently.