工商银行授信所需资料

中文版

工商银行作为中国的四大银行之一，其授信业务在市场上占据重要地位。那么，当企业或个人向工商银行申请授信时，需要准备哪些资料呢？

一、企业授信所需资料

基础资料：企业法人营业执照、税务登记证、组织机构代码证等基本证件。

经营资料：企业近三年的财务报表，包括资产负债表、利润表和现金流量表。

担保资料：如提供抵押或担保，需提供相关抵押物或担保人的资料。

其他资料：根据银行要求，可能还需提供企业章程、股东会决议、法定代表人身份证明等。

二、个人授信所需资料

身份证明：身份证、户口本等有效身份证明。

收入证明：工资流水、纳税证明、银行存单等。

资产证明：房产证、车辆证、银行存款证明等。

其他资料：如婚姻状况证明、工作证明等。

英文版

ICBC Credit Authorization Required Documents

As one of the four major banks in China, ICBC plays a significant role in the market for its credit authorization business. So, what documents are required when a business or individual applies for credit authorization with ICBC?

I. Documents Required for Corporate Credit Authorization

Basic Documents: Basic certificates such as the corporate business license, tax registration certificate, and organization code certificate.

Operational Documents: Financial statements of the enterprise for the past three years, including the balance sheet, profit and loss statement, and cash flow statement.

Guarantee Documents: If collateral or guarantees are provided, relevant collateral or guarantor information is required.

Other Documents: Depending on the bank's requirements, other documents such as the articles of association, resolutions of the shareholders' meeting, and identity certificate of the legal representative may also be required.

II. Documents Required for Personal Credit Authorization

Identity Documents: Valid identity documents such as ID cards and household registers.

Income Documents: Documents proving income, such as pay slips, tax payment certificates, and bank deposit certificates.

Asset Documents: Documents proving assets, such as property ownership certificates, vehicle ownership certificates, and bank deposit certificates.

Other Documents: Documents such as proof of marital status, work proof, etc.

In conclusion, both businesses and individuals applying for credit authorization with ICBC need to prepare a range of documents, including basic identity and financial information, as well as any relevant collateral or guarantees. It's important to ensure that all required documents are complete and accurate to facilitate the smooth processing of the credit authorization application.