How to apply for a loan? I want to use the loan for tourism. I am a petty bourgeoisie. I work in Hangzhou. Can I apply for a simple credit loan?

The loan target refers to which departments, enterprises, units and individuals the bank issues loans to. Its essence is to choose the loan investment and determine the loan scope and structure.

Determination of the loan object of commercial banks;

First, it should reflect the essential requirements of the credit fund movement, and the loan should be able to guarantee the repayment of principal and interest;

Second, it must meet the requirements of the loan principle of commercial banks, and the loan issuance should follow the principles of efficiency, safety and liquidity;

Third, to reflect the requirements of loan investment policy, loan investment should obey the national industrial policy.

Therefore, the loan object of a commercial bank must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Any non-operating unit without economic income can only be the object of financial allocation, but not the object of bank loans.

In short, under the conditions of socialist market economy, all commercial enterprises and individual economies engaged in production and circulation and providing services for production and circulation can become loan targets. According to the General Rules for Loans, the loan object should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with China nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority).

(2) loan conditions

Loan conditions refer to what conditions the object has to obtain a loan. It is a specific requirement for the loan object. Any enterprise that meets the requirements of "conditions" within the "object" can obtain bank loans. The basis for determining the loan conditions is: the legality of the establishment of enterprise units, the independence of operation, the adequacy of its own capital, the profitability of operation and the safety of loans. Therefore, enterprises, institutions and individuals that need to apply for loans from banks must meet the following basic conditions.

The current loan conditions of China Commercial Bank are:

1. legality of operation

2. Independence of operation

3. Have certain self-owned funds.

4. Open a basic account in the bank.

5. Have the ability to repay the principal and interest on schedule.

Eight. The purpose and type of loan

(1) the purpose of the loan

The purpose of the loan refers to the direction and scope of the use of the loan in the enterprise's capital occupation. It specifies what kind of capital needs enterprises can use loans, and how many of these capital needs are solved by bank loans.

The loan in this period is mainly used to meet the capital requirements for the renovation of inventory and fixed assets. From the liquidity point of view, the loans of industrial enterprises are mainly used for the capital needs of raw material reserves, in-process products and finished goods inventories. The loans of commercial enterprises are mainly used for the capital needs of commodity inventory and industrial and commercial enterprises in the process of commodity sales. From the point of view of fixed funds, it is mainly used for the capital demand of enterprise's technological progress and equipment renewal, the capital demand of enterprise's new construction, transformation and expansion, and the capital demand of enterprise's scientific and technological development (including part of working capital). In the field of consumption, it is mainly used for the capital demand generated by the purchase of civil commercial housing and automobiles.

Nine. Loan type

At present, the classification standards and types of loans are as follows:

(a) according to the nature of the loan business.

1, self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.

2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk.

3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans.

(2) According to the loan term.

1. Short-term loan. Refers to the loan with a loan term of 1 year (inclusive).

2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans.