Strictly speaking, no matter what industry wants to get more development funds, it will apply for loans. Moreover, most of the applicants for loans are companies or industries that are short of money, such as grain trade, steel, construction, manufacturing and so on. In addition, like state-owned enterprises, institutions and listed companies, applying for loans has more advantages, so it is also a category that applies for more loans.

If you need funds, Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the approval is successful or not is evaluated according to your comprehensive qualifications. You can log in to Ping An Pocket Bank APP- Finance-Loan for details and try to apply.

Reply time: 202 1-03-03. Please refer to the latest business changes announced by Ping An Bank in official website.

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It's almost the end of the year. What industry is short of funds?

Under normal circumstances, the construction industry that needs to be completed by the end of the year is the most short of money in the second half of the year. Due to the huge investment in the first half of the year, the gap is prone to occur in the second half.

Store new year's goods

Lack of money index: ★★★★★★★

Solvency: ★★★★★

Overdue risk: ★★★

There is a consumption peak of about half a month at the end of each year. However, due to the early stop of logistics, both buyers and sellers will hoard goods in advance, and the problem of tight funds appears at this time.

It is suggested that the exhibition industry should focus on the wholesale market of fruits, beverages and tea. In addition, 70% of civil servant loans are indirect related industries, which can be used for the exhibition industry of tobacco bureau, grain bureau, food and drug administration and other departments.

Main customers: corporate customers and civil servants customers.

two

Pay at the end of the year

Lack of money index: ★★★★★★★

Repayment capacity: ★★

Overdue risk: ★★★★★★★

Real estate related industries: real estate companies, construction companies, construction contractors, small and medium-sized construction enterprises, etc. Often faced with the need to give money downstream, but the upstream is still in arrears, and the payback period of the project is generally years later. At the end of the year, workers' wages and various funds will be paid, and the demand for funds is huge.

Suggest convention and exhibition industry: it is suggested that engineering contractors and construction companies plug in cars near some projects under construction, or build materials wholesale markets and other convention and exhibition industries.

Main customers: customers with short cars and short rooms.

three

give sb a gift/present

Lack of money index: ★★★★

Solvency: ★★★★★★★

Overdue risk: ★★★★

Gifts are generally given by civil servants and institutions. They are very concerned about the promotion and regularization after the year, which has brought a gap in loan demand. Some people are friends who get married and give gifts at the end of the year.

Suggested exhibition industry: focus on the departments with supervision power, and the second kind of gift-giving crowd is relatively scattered, so it is recommended to give up.

Main customers: civil servants, institutions, small and medium-sized enterprises in some industries.

four

Buy a new house, get married, etc.

Lack of money index: ★★★★★

Solvency: ★★★★★

Overdue risk: ★★★

Compared with the middle of the year, more people bought houses, cars, furniture and got married at the end of the year.

It is suggested that the convention and exhibition industry can focus on new real estate, automobile market, furniture city, wedding company and other local convention and exhibition industries, and the effect is good.

Main customers: ordinary working-class people, who borrow money from houses and cars, choose customers with longer cycle.

In March and April, which industries needed more loans?

In March and April, there was more demand for loans from businesses and small and micro enterprises.

At present, the commerce and trade industry and small and micro enterprises have the greatest demand for loans, and the economic gap is large, so they urgently need funds to fill the needs of enterprises.

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The operation of the enterprise is stable, the establishment period is more than 2 years in principle, and there are at least one or more financial reports for one fiscal year. The sales revenue has increased for two consecutive years, and the gross profit is.

Positive value;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.

An industry that often needs loans

Hello, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.