What does bank loan error code ESELPLN0226 mean?

1. What does the bank loan error code ESELPLN0226 mean?

1: The bank loan error code ESELPLN0226 indicates that the loan application failed because the applicant has too many outstanding loans.

2. The bank evaluates the loan applicant through the risk assessment model, and carries out risk assessment on the repayment ability of the applicant through the data such as the applicant's credit record and credit record. ESELPLN0226 Error code indicates that the evaluation result found that the applicant had too many outstanding loans, which led to the failure of loan application.

If you want to apply for a loan, the applicant can improve his credit rating by the following measures:

1. Pay off old debts in time and reduce the amount of outstanding loans.

2. Establish a good credit record, pay credit card bills in time, and pay utilities and other bills.

3. Improve income and stability, such as increasing income or signing long-term work contracts.

4. Error code ESELPLN0226 may also mean that there is an error or error in personal information, and you need to consult the bank or correct it.

2. What are the contents of the revised Guidelines for M&A Loans of Commercial Banks issued by CBRC?

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M&A business has developed in full swing since it was launched in China. Commercial banks also actively participate in this business, but some rules and regulations take into account the reality of commercial banks participating in the M&A loan industry and relax the conditions for commercial banks to carry out M&A loan business. So what is the revised content of the M&A Loan Guidelines for Commercial Banks issued by CBRC? The explanation of this modification is as follows.

The CBRC has relaxed the adjustment of commercial banks, including: increasing the term of M&A loans from 50% of the transaction price to 60% within five years; Cancel the compulsory guarantee of M&A loan.

The China Banking Regulatory Commission recently revised and issued the Guidelines on M&A Loan Risk Management of Commercial Banks (hereinafter referred to as the Guidelines) issued in 2008.

The so-called M&A loan is a loan issued by its subsidiary to pay the transaction price of M&A..

China Banking Regulatory Commission said that the revision focused on optimizing M&A financing services, aiming at improving the level of M&A loan services. In the major revision

1. Extend the term of M&A loan from 5 years to 7 years.

According to article 19 of the original guideline, M&A Loan Association indicated that due to the complicated integration of some M&A projects due to different M&A projects, this revision extended the loan term from 5 years to 7 years, which is more in line with the actual situation.

The second is to increase from 50% to 60%.

Article 18 of the original guidelines stipulates that the ratio of M&A loans to M&A transaction price shall not be higher than 50%. M&A is an important financing channel, so this adjustment will better meet the financing needs of mergers and acquisitions.

Third, cancel the mandatory requirement of M&A loan guarantee.

Article 25 of the original guidelines stipulates that commercial banks should provide guarantees for M&A loan risks. In this revision, the CBRC will stipulate "mandatory" guarantee, and modify the guarantee conditions of M&A loans to be higher than other types of loans, allowing banks to consider the risk status of M&A projects and the credit status of the acquirer's enterprises.

In addition, while appropriately adjusting M&A loan conditions, the CBRC also put forward further requirements for commercial banks.

First, strengthen the prevention and control of financial leverage risk, and reasonably calculate and determine the financial leverage ratio of M&A projects supported by M&A loans according to the financial conditions of both parties, M&A financing methods and financial conditions, so as to ensure that the sources of M&A funds include a reasonable proportion of equity funds.

The second is to strengthen the prevention of false mergers and acquisitions. Strengthen pre-lending investigation, verify the authenticity of M&A transaction and the rationality of M&A transaction price, strengthen the management of loan funds extraction and payment, do a good job in monitoring the flow of funds, and prevent relevant enterprises from using false M&A transactions to obtain bank credit funds.

The third is to strengthen and improve the M&A loan statistics system. Establish a statistical system for M&A loans according to regulatory requirements, and do a good job in statistics, summary and analysis of M&A loans.

It is not difficult to see that the M&A loan guidelines of China Banking Regulatory Commission are in line with the actual situation of M&A from three aspects, which can better meet the financing needs of mergers and acquisitions, which will be more conducive to commercial banks to carry out M&A loan business. If you want to know more, you can consult a lawyer in Suzhou.

Extended reading:

What is the definition of M&A bank loan? What are the conditions of bank M&A loan?

What is bank M&A loan and what are its risks?

What are the specific changes in the proportion and duration of M&A loans?

Third, about bank loans!

Well, if you can get a loan, you need a mortgage to guarantee the interest. Loans are troublesome and there are many procedures. /Yin Hang/

Four. Bank loan guide

This paper mainly introduces new fast loan products. It is normal that businessmen need loans and the cost of capital is low. Every loan will be checked for credit information, so it is very necessary to know the product outline before applying, so that you can know fairly well, rather than blindly applying. If every bank tries its products, the loan may fail, but it will definitely hurt your credit. The product outline of new loans and quick loans, that is, the customer access conditions: natural endowment 1. There are insurance policies that pay more than three times. At present, * * * has been supported by 1 1 insurance companies. 2. The mortgaged house can be repaid for more than 12 months every month. It must be a commercial mortgage, but provident fund loans are not allowed. Credit 1. Three times at most in the last two months. 2. The credit card usage limit in the last six months is less than 80% of the total credit card. There is no car repayment from Ping An Bank. 4. The net loan under the name shall not exceed three, and the total loan amount shall not exceed 200,000 yuan. 5. If Pratt & Whitney has a loan. Whitney's name. That must be a bank loan. If it is a trust loan, it must be settled after half a year. 1. Prepare a Zhang Pingan savings card. If not, you need to prepare a first-class savings card for big banks such as China, agriculture and public security. 2. The original ID card, and the certificate is within the validity period. 4. Prepare three contacts. Choose one from your spouse or parents. Others can choose friends and colleagues. The most important thing is that you have a good credit report You have no loan in Ping 'an recently, so please answer the phone. 5. The company's fixed telephone can be filled in selectively. If a big company suggests filling in a familiar financial or human resources department, you should also pay attention to the answer. 6. Quiet and enclosed space is the best place to prepare for video signing. 5. Fill in the basic information, company information and contact information item by item after brushing the credit line. 6. Think about the quantity you need. Once confirmed, it cannot be changed. There are 36 semesters. The use of funds has a business license to fill the business turnover. If not, choose photographic equipment. 1. After the loan is repaid, pay attention to the standardized use of funds and don't enter the property market or the stock market. 2. Pay attention to repayment on time. Repay on 29th, 30th and 3rd1day of each month, and pay off in full on 20th of the following month, and pay off in full on the loan date of the following month at other times. 3. Settle in advance. You can check out in advance at any time with a business license, and you can check out in advance after 0/2 months without a business license. Related Q&A: Can China Bank apply for suspension of repayment? Without special circumstances, Bank of China cannot apply for extension. In case of special circumstances, such as natural disasters, personal loans can not be repaid on time, can be resolved through consultation with the Bank of China. For example, during the epidemic, the Bank of China allowed eligible lenders to apply for deferred repayment. If your bank in China is located in loans overdue or will soon be overdue, but it is unable to repay, you can provide proof of inability to repay, such as proof of illness, proof of low-income households or related proof of natural and man-made disasters. After application, the bank will consider it according to the actual situation. If the application is successful, the lender can choose a new repayment plan that suits him. Related questions and answers: How to handle the bank loan procedures? Unsuccessful loans will cause economic pressure to many people. If you can successfully get a loan from the bank, you must repay the loan money on time every month, but at least you can buy a house and a car. How do ordinary people borrow money from banks? Of course, it's not that easy to get a loan from a bank. There are many procedures and processes. Only people with a certain economic foundation and financial resources can have a more secure loan success. 1. The steps of loan 1 are to apply for a loan at the bank. Step 1 is to submit the application. There are two kinds of applications, one is online submission, and the other is offline submission in the bank. Take the student loan for example. Undergraduate students can borrow up to 8,000 yuan from China Development Bank for tuition and living expenses every year, and apply in official website, China Development Bank. Official website will have a corresponding form for you to fill in, which contains complete personal information, name, age, school, guardian's name, ID card and so on. After filling it out, download it and print it out in word format. Then take this certificate to the local designated place to handle it. Some places are under the responsibility of the Education Bureau, while others are different. The second is to fill in offline. If you want to buy a house, a car or start a business, you need to borrow a lot of money, usually through offline application. Go to the bank, such as any of the five major banks. Fill in the complete information first. You need to fill in this information form and submit the corresponding materials when applying. Have a household registration book, a copy of ID card, my education certificate, work income certificate, work unit certificate and so on. Be careful when filling in the information. If a number is wrong and a word is wrong, it may fall short. It's very troublesome to return all these materials for redo. 2. Then carry out examination and approval, and finally notify the bank for examination and approval after submitting the result materials. It depends on whether the information you submitted conforms to your real situation and whether you lied about your working years and experience. Banks also have to go through a series of inspections and rechecks to see whether your work experience and ability meet the requirements of loans and whether you are able to repay the loan amount. This series of approvals will take a lot of time, and the bank will inform you of the final approval result. If it is passed, the last step is to sign a loan contract. Signing a loan contract does not mean that everything is fine, but also depends on how to repay the bank loan every month. If it is a college student loan, you can pay off the principal in one lump sum when you graduate, and you don't need to pay interest, but you will have to pay interest if you don't pay it back after graduation. If it is a mortgage or car loan, it does not need to be paid in one lump sum. One-time payment will bring great pressure to the lender, and monthly payment is the best choice. To sum up, a person wants to borrow money from a bank. It is a good choice to solve the current economic pressure, but the loan may not be successful. The borrower must first submit an application, then the bank will re-examine your personal information, and finally inform you of the result of the loan to see if it can be approved. After signing a loan contract with the bank, you must repay the money owed to the bank on time every month to ensure that there will be no problems in personal credit investigation.