作为财务代理会计要知道，如果公司是一个小公司，虽然公司正处于高速发展期，但没有什么土地房产，固定资产就是车和电脑。但是由于项目一下子增多，资金比较紧张，此时要找银行贷款是很困难的。下面就针对这个问题北京代理记账为你解答

As a financial agent to know, if the company is a small company, although the company is in a period of rapid development, but there is no real estate, fixed assets is the car and computer. However, due to a sudden increase in the project, the funds are relatively tight, it is difficult to find a bank loan at this time. The following is for you to answer the question of Beijing agency accounting for your answer

因为小公司和大型公司不同。在大型公司中即使不需要贷款时，往往银行也会上门求你们存款贷款。而小公司，即使您有很丰富的人脉关系，想要得到大额的贷款，银行也往往会委婉拒绝。

Because small companies and large companies are different. In large companies, even when not in need of loans, often banks will come to your deposit loan. And small companies, even if you have a very rich network of relationships, want to get large loans, banks will often be politely refused.

其中关键的问题是银行和公司管理者所站的角度不同、关注的重点不同。银行关注的还款来源有两类：直接还款来源和担保还款来源。对于小公司，银行通常注意其抵押品及变现力;对于大型公司关注其经营前景稳定和市场地位；供应链融资，银行关注借款人上下合作的稳定以及你们公司在链条所依托的核心公司地位。

The key problem is that the bank and the company managers stand point of view is different, the focus of attention is different. Bank concerned about the source of repayment of two categories: direct sources of repayment and secured repayment. For small companies, banks usually pay attention to the collateral and liquidity; for large companies to focus on their business prospects and stable market position; supply chain financing, the bank to the borrower on cooperation under the stable and your company relies on the chain status of Core Company.

银行往往都会权衡自身收益、成本和风险。如果某项贷款可贷可不贷，但此时公司可以帮银行搞到一些存款，经过权衡下，银行是原因进行贷款的。

Banks tend to weigh their own benefits, costs and risks. If the loan can not be a loan, but at this time the company can help the bank to get some deposits, after weighing down, the bank is the reason for the loan.

财务代理的会计需知道授信流程主要有几步：

Financial agent of the accounting need to know the credit process is mainly a few steps:

1、和银行初次谈判，一般就是互相熟悉一下，对借款人的需求和自身整体情况做个系统介绍，银行根据借款人的资金需求及借款人情况，量身定做个初步的授信方案，然后会列出清单，让借款人提供很多资料复印件，包括法人代码、营业执照、财务报表、验资报告、经营许可等。

1, and the first bank negotiation, in general is familiar with each other, introduce a system to the needs of the borrower and their overall situation, the bank according to the funding needs of the borrower and the borrower, made a preliminary credit program, then make a list, the borrower provides many copies, including legal code, business license, financial statements, verification report, business license etc..

2、银行根据上次提供的资料，还会进一步调查，发现问题，要求补充资料以及实地调查等，然后银行根据调查结果初步做出授信调查报告。

2, according to the information provided by the bank in accordance with the last, but also further investigation, found that the problem requires additional information, as well as the field survey, and then the bank according to the results of the preliminary investigation to make a credit investigation report.

3、银行的调查人员把调查报告以及相关资料复印件报内部审批中心或者信贷部审查。在审查阶段，审查员会提出一些问题，要求补充调查，直到审查员个人认为合格就接着上贷审会投票。

3, the bank's investigators to the investigation report and the relevant information copy of the internal examination and approval center or the Department of credit review. In the review phase, the examiner will ask some questions, asked to add a survey, until the auditor personally think that qualified will then vote on the trial will be.

4、贷审会投票通过后，签订授信合同，根据贷审会意见，按照其限制条件出账。 整个流程完毕。

4, the trial will vote after the loan, the signing of the credit contract, according to the opinions of the loan, in accordance with its restrictions on the conditions of the account. The whole process is completed.

通过以上北京代理记账所讲述的知识你对银行贷款了解啦吗？如果没了解也没事欢迎咨询我们的热线我们将竭诚为您服务。

Have you learned about bank loans through the knowledge you have about the Beijing agency bookkeeping? If you do not understand is also welcome to consult our hotline, we will serve you wholeheartedly.