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关于虚报注册资本、虚假出资、抽逃出资的法律参考
2015-05-08
财务代理的会计需知道授信流程主要有几步：
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。
General is 1, and the bank for the first time negotiations, familiar with each other, the demand for borrowers and their overall introduce system, bank according to borrower of money demand and the borrower, tailored a preliminary credit scheme, then list, let the borrower to provide a lot of data copy, including legal person code, and the business license, financial statements and capital 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, bank according to the information provided last time, further investigation, found the problem, request additional information and on-the-spot investigation, etc., and then the bank according to the survey results 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 investigators report, banking and related data copy submitted to the internal examination and approval center or credit review.In the review stage, the inspector will come up with some problems, requires supplementary investigation, until the inspector personally think qualified credit review will vote on then.
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。
after a vote by the umpire will loan, credit contracts, according to the loan review opinions, according to the restrictive conditions to enter an item of expenditure in the accounts.The entire process to complete.
济南代理记账公司：http://www.jnqqjz.com
