The "three certificates" in the integration of three certificates of business license refer to the industrial and commercial business license, organization code certificate and tax registration certificate, and the "one certificate" refers to the business license loaded with unified code. Business licenses can be used for loans, but in addition to business licenses, there must be certain repayment ability and other loan conditions.
1. What is the combination of three certificates of business license?
The so-called "three certificates in one" means that the business license, organization code certificate and tax registration certificate applied by enterprises in turn are merged into one certificate; One photo and one yard is a further step on this basis. Through one-stop acceptance, parallel approval, information sharing and mutual recognition of results, a department can issue a business license with a unified social credit code.
Article 7 of the Company Law of People's Republic of China (PRC) shall be issued by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
2. Can I get a loan for my business license?
The business license can be used for loans, but it cannot be used only by the business license. Loans need to meet the following conditions:
1. has the ability to repay the principal and interest on schedule, and the original loan interest payable and the due loan have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures.
3. basic deposit account or general deposit account has been opened.
4. Unless otherwise stipulated by the State Council, the cumulative overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
5. The borrower's asset-liability ratio meets the requirements of the lender.
6. To apply for medium and long-term loans, the ratio between the owner's equity of the new project enterprise as a legal person and the total investment required for the project shall not be lower than the capital ratio of the investment project stipulated by the state.
3. How to apply for a business license online?
The online application process of business license is as follows:
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When an applicant applies for full-process online commercial registration for the first time, he should register the user on the portal of the commercial registration authority through the Internet, fill in the true and accurate basic identity information of the applicant, and then use the digital certificate to confirm his identity. The whole process online registration system will automatically connect with the digital certificate issuing authority to verify the authenticity of their personal identity and complete the user identity confirmation.
2. Applicants apply online
After completing the user registration, the applicant selects the business type to be handled and fills in the corresponding electronic materials such as application form, articles of association, shareholders' resolution, appointment and dismissal documents, etc. After that, the applicant and relevant signers use the digital certificate to electronically sign the electronic application materials. The applicant and relevant signatories can complete the above operations remotely or in different places.
3. Acceptance, review and decision
After receiving the application submitted by the applicant, the commercial registration authority shall accept it if the materials are complete, and make a decision on whether to approve the registration within the prescribed time limit.
4. Obtain an electronic business license or electronic registration notice.
After the commercial registration authority has completed the approval and registration, it will notify the applicant by online or SMS. Tip: Applicants can download a copy of the electronic business license or electronic registration announcement from the whole network registration system, or apply for a paper business license or paper registration announcement from the commercial registration authority for free.
Step 5 store electronic files
After all the work is completed, the commercial registration authority will keep the electronic files of commercial registration in accordance with the provisions of the file management system, and the electronic files have the same legal effect as the paper files.