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问题	营业执照每一年需要年审吗
释义	法律分析：通常情况下，营业执照办理半年是没办法贷款的。因为营业执照至少是需要办理一年以上（含）才可以去申请贷款的。所以如果企业注册营业执照没有满一年的话，那是很难通过贷款申请的。法律依据：《个体工商户条例》第十九条个体工商户可以凭营业执照及税务登记证明在银行或者其他金融机构开立账户，申请贷款。国家鼓励金融机构改进和完善金融服务，发挥金融职能，支持个体工商户发展。
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