Credit card non-malicious certificate

Credit card non-malicious certificate

I applied for a CCB credit card when I was in Tianjin in 2006. After returning to my hometown in Chengdu, I caused 7 overdue repayments. The card is still full. Please do not have any current debts in the credit card. The card can still be used. But when I am now in Chengdu, I have a bad record. I can't apply for a mortgage. The bank staff told me that it is OK to issue a non-malicious arrears certificate and a bank statement. I will call Construction Bank Credit Card Center phone, but the other party said they did not have such proof, may I ask:

1. What does the Account Fact Sheet mean?

2. How does the non-malicious arrears prove this?

3. Can these be handled in different places?

Zhong Gu.com lawyer answers:

According to your situation, I will explain to you the relevant rules for the use of credit cards. First of all, you will use the credit card to accidentally accept some charges from the bank, the usage channels, etc. The fees for using the card but not paying the card on time or not paying the card are Advise to charge your interest, late fees, etc. At the same time, if the user repeatedly, this information can be fed back to the bank's personal information, resulting in a bad record of your personal malicious bank in the bank.

1. The so-called account fact sheet is your proof of on-time repayment. As long as you can provide nearly half a year, it is enough to prove your current credit status.

2. The so-called malicious arrears certificate is simply saying that you originally owed the amount of the money due to the reason, as long as the bank is willing to explain that your debt is only a delay, but you are not sure when you are looking for you. If you are repaying, you should be able to do it or you can ask the bank to help you lift the blacklist based on your current repayments. If you do similar loans in other banks, you will not have trouble.

3. Certainly it is not necessary for the local bank to provide this information. You can also consult 95533. This is generally the case. First, write the basic situation of the company, which time is established, registered address, registered capital, business scope; then introduce Let's talk about the company's business in the past three years; let's talk about the purpose of the company's loan. The loan will bring a lot of promotion to the production. However, due to the recent rapid development of the company, the liquidity is a bit nervous, and the bank feels that your company has a very promising future. Well, after the loan, your company has a lot of repayment ability; finally, look forward to the future of the company and so on.

model essay

Investigation report on XX company's application for loan

I. Overview of the borrower

1. Basic situation

XX Drive Bridge Co., Ltd. is located in Anren Road, XX County. It was established in May 1957. It was officially converted into drive axle production in 1979 and renamed as XX County Drive Bridge Factory. After more than 20 years of development, it is the three major professional production in China. One of the drive axle companies. In March 2003, it was merged by Ningbo BB Group and established Jiangxi XX Drive Bridge Co., Ltd., BB Group accounted for 70% of the shares, and the original management personnel accounted for 30% of the shares.

The new company is based on the net assets as the transfer price based on the debt-bearing method, and the entire assets of the drive axle plant are transferred. After the establishment of the new company, the registered capital is 10 million yuan, all of which are funded in cash. Among them: Ningbo BB Group Shares Co., Ltd. should invest 7 million yuan in investment funds. ), accounting for 70% of the registered capital; Fu Qingqing should invest 1 million yuan, accounting for 10% of the registered capital; Zhang Fengyi should contribute 550,000 yuan, accounting for 5.5% of the registered capital; Xi Laru should contribute 400,000 yuan, accounting for registration 4% of capital; Liu Jianmin should invest 150,000 yuan, accounting for 1.5% of the registered capital; Yan Fang should invest 900,000 yuan, accounting for 9% of the registered capital; capital is fully in place. The representative of the legal person resigned from the United States, with 683 employees; 58 engineers and technicians. The factory covers an area of ​​100,000 square meters and the production area is 27,000 square meters.

2. Enterprise production

Jiangxi XX Drive Bridge Co., Ltd. is a fixed-point factory specializing in the production of engineering machinery drive axles for the Ministry of Machinery. The company's leading product "Binshi" brand drive axle is mainly used in the field of construction machinery such as loaders, road rollers, graders, forklifts, etc. The product performance and price ratio are reasonable. Now it has 7 series of more than 90 deformation products, with an annual output of various projects. 7000 sets of mechanical drive axles, of which ZL20 and ZL15, ZL30B drive axles are excellent and provincial products. The company's products are mainly divided into two large blocks, one is the loader drive axle, the product model is ZL15, ZL30, ZL40, ZL50, which accounts for about 25% of the national sales market; one is the roller drive axle, the product model is PS50 series, PS75 The series accounts for about 50% of the national sales market.

3. Managerial quality

There are 7 leaders in the company, including 1 general manager, 3 deputy general managers, 1 manager assistant, 1 union chairman, 1 supervisory board member, 1 BB group management manager, and 4 senior titles. Politically determined, united, with a high sense of professionalism and responsibility, strong reform and pioneering spirit, with a high organizational capacity and leadership decision-making level, general manager Fu Lanqing, the former XX drive axle factory director, engaged in driving The bridge has been produced for nearly 20 years and has a strong professional level. The comrades are of good character, clean and honest, hard-working and have a certain personal charm.

2. Borrower's production and operation and economic benefits:

Since the country increased its infrastructure construction, from 2001 to the present, the company has continuously carried out technical reforms and increased productivity. Its products are still in short supply. In 2000, the sales revenue was 39 million yuan, and the sales revenue in 2001 was 47 million yuan. In 2002, the sales revenue was 72 million yuan. In 2003, the sales revenue was 100.72 million yuan. The growth rate of sales revenue in the past three years was 20.5 %, 53.19% and 39.89% respectively. In 2000, the company's total profit was 24,000 yuan. In 2001, the company's net profit was 25,000 yuan. In 2002, the company's net profit was 250,000 yuan. In 2003, the company's net profit was 2.42 million yuan. The company's net profit growth in the first three years was slow, mainly because the company wrote off many historical bad debts.

The production of the enterprise is generally a fixed-quantity production. At the beginning of each year, the construction machinery vehicle manufacturer signs an order for the annual demand for the drive axle. The company's general sales season is 2-3 quarters, but in recent years, due to the shortage of products, the response is not strong in seasonal sales.

The company's sales model is a direct sales engineering machinery vehicle manufacturer, without a seller in the middle, the business cycle is generally about 2 months. The main supply is: Sanjiu Yigong Biochemical Co., Ltd., Changzhou Forestry Machinery Factory, Zhengzhou Engineering Machinery Factory, Huanghe Engineering Machinery Factory, Xiamen Engineering Machinery Comprehensive Factory, Changzhou Engineering Machinery Factory, South Hydraulic Engineering Machinery Factory, Chaoyang Construction Machinery Co., Ltd., Yantai Engineering Machinery Factory, Tianjin Municipal Engineering Machinery Factory, Shanghai Urban Construction Machinery Factory, Sanming Heavy Machinery Factory, Luoyang Construction Machinery Factory, etc.; established stable construction with large construction machinery enterprises such as Shanghai, Zhejiang, Shandong, Fujian and Hunan. Business contacts and collaboration. The development of enterprises has shown a strong growth trend; as the country further increases investment in infrastructure construction and implementation of the strategy for the development of the western region, the market space for engineering machinery drive axles is huge.