一忌盲目贷款。企业对经营的规模、项目的可靠可行性、所需贷款的数额、期限、利息、偿还资金来源等情况要全面通盘考虑,切忌无计划、无目的盲目贷款。二忌转移贷款用途。企业向银行申请贷款时,一定要明确贷款的用途,以便银行随时掌握贷款的使用动态,切不可将贷款挪作他用。三忌贷款到期不还。不能按时归还银行贷款,要提前到银行说明情况,申请贷款延期,切不可因没钱归还就赖账,甚至有了钱也不还贷,这样企业就会失去信誉,对己对他都不利。四忌贷多用少。企业应坚持需多少钱多贷多少款的原则,切不要弄虚作假,向银行多贷少用套取贷款,留作他用或备用。五忌多行贷款。按规定企业到所在地银行开户并在开户行存款和贷款,严禁多头户、多头贷款,这是银行制度所不允许的。六忌为他人担保或贷款。在现实生活中,企业出于关系,人情等原因,替他人贷款担保或为他人出面贷款。这样 Avoid blind loans. The scale of the enterprise’s operation, the reliability and feasibility of the project, the amount of the loan needed, the term, the interest and the source of the repayment fund should be comprehensively considered. No unplanned and purposeless blind loans should be avoided. Two avoid transfer loan purposes. When applying for a loan from a bank, the enterprise must make sure the purpose of the loan so that the bank can keep abreast of the usage of the loan and must not assign the loan to another use. Three bogey loan expires not yet. Can not repay bank loans on time, to the bank to explain the situation in advance, apply for an extension of the loan, must not be returned to the repayment due to the lack of money, and even the money does not repay, so businesses will lose credibility, to their own disadvantage. Four avoid multiple loans with less. Enterprises should insist on the principle of how much they need to borrow and how much should they borrow. Five avoid multiple loans. According to the provisions of enterprises to the local bank account and bank deposits and loans in the bank, no long heads, long loans, which is not allowed by the banking system. Six bogey for others to guarantee or loan. In real life, the company out of loans or guarantees for others for reasons such as relationships, human feelings and other reasons. such