Chapter 1 General Provisions Article 1 In order to further improve the level of fixed asset loan management of Bank of Communications, unify and standardize the operating procedures and management requirements for the bank's RMB fixed asset loan business, in accordance with relevant national policies and regulations, These measures are specially formulated based on the actual situation of Bank of Communications. Article 2 These Measures apply to all types of RMB fixed asset loan business handled by Bank of Communications. Article 3 The arrangements for fixed asset loan projects and loan plans must be based on the project plans and credit plans approved by the state, and in accordance with the prescribed procedures and authorizations, with assessment first and decision-making later. The selection of fixed asset loan projects must comply with national industrial policies and financial policies, and be directed to basic industries, pillar industries that are conducive to promoting the sustained, rapid, and healthy development of the national economy and the comprehensive progress of various social undertakings, as well as those with greater competitiveness and development potential. Focus on emerging industries; enhance market awareness, improve investment efficiency, and combine the business development direction of Bank of Communications, pay attention to cultivating the bank's basic accounts and key accounts; meet the requirements of commercial banks' capital operations, and pay attention to capital security, liquidity, and efficiency. Coordination and unity not only ensure the timely recovery of loan principal and interest, expand our bank's regulatory energy and influence on the economy, but also take into account our bank's actual affordability. Chapter 2 Objects, Term, Amount, and Interest Rate of Fixed Asset Loans Article 4 The objects of fixed asset loans provided by our bank are: all state-owned enterprises approved by the industrial and commercial administration department and implementing independent economic accounting; collectively owned enterprises; joint-stock enterprises; Wholly foreign-owned enterprises, Sino-foreign joint ventures, Sino-foreign cooperative enterprises; institutions that implement enterprise management or have the ability to repay loans; construction units or investment units of fixed asset investment projects approved by the state and other qualified economic organizations, approved by certain approval procedures , carry out capital construction or technological transformation that has a real market and benefits. On the premise of raising enough own funds or registered capital according to the prescribed proportion, if there is still a gap in funds, you can apply for a fixed asset loan from our bank. Article 5 The fixed asset loans handled by our bank are divided into two types: capital construction loans and technological transformation loans.
Infrastructure loans are loans issued by banks to support the expansion of reproduction, increase the number of fixed assets and improve the level of technical equipment. Its scope includes capital construction projects for new construction, expansion, reconstruction, restoration and reconstruction of enterprises and institutions.
Technical transformation loans are loans issued by banks to support technological transformation and technology introduction focusing on expanded reproduction. Its scope includes supporting enterprises and institutions to introduce and adopt new technologies, new equipment, new processes, and new materials; develop new products, promote and apply new scientific and technological achievements; improve product quality, develop high-quality brand-name products, reduce energy and raw material consumption, and carry out comprehensive Utilize and increase the production of "short-term products" that are urgently needed by the market and export products that earn foreign exchange. Article 6 The term of capital construction loans is generally three to five years, with the longest term not exceeding seven years. The term of loans for large-scale construction projects can be determined based on actual conditions.
The term of technical transformation loans is generally one to three years, with a maximum of five years. Article 7 The loan amount shall not exceed 70% of the total investment in infrastructure projects or renovation projects. Article 8 Interest on fixed asset loans is calculated and collected in accordance with the interest rate standards set by the People's Bank of China and the relevant regulations of the Bank of Communications. Chapter 3 Planned Management of Fixed Asset Loans Article 9 Fixed asset loan projects must be included in the national or local fixed asset investment plan and credit plan, and "dual scale control" shall be implemented. All loans must be disbursed according to the approved annual plan. Unplanned loans are strictly prohibited, and bank loans are strictly prohibited in lieu of self-raised funds by enterprises and localities for project construction. Article 10 The management principles of the fixed asset loan plan are “unified planning, hierarchical management, indicator slicing, classified operation, ensuring key points, and favoring the best.” The fixed asset loan indicators of the whole bank implement management methods that combine turnover and overall planning. First, based on the proportion of the total working capital and deposits under the jurisdiction of branches or branches directly under the jurisdiction of the whole bank at the end of 1994 to the same indicators of the whole bank, the comprehensive determination of each branch is , the fixed asset loan turnover limit of the directly affiliated branches will be decomposed and distributed to the affiliated branches by the jurisdictional branches based on factors such as business scale, asset quality, management level, etc. Second, for newly established banks after 1994, the total fixed asset loan turnover quota of additional branches under their jurisdiction is determined by multiplying the working capital allocated to the bank by the head office and the working capital turnover quota of the entire bank at the end of 1994. In principle, they will be allocated to newly established branches and sub-branches.
Third, the rest of the fixed asset loan quotas are collected and allocated by the whole bank, and the head office issues quotas for recovering or increasing loans every year.
(1) The turnover indicators of each bank are mainly used for fixed asset loan projects below 10 million yuan.
(2) The head office's overall coordination indicators are mainly used for loan projects of more than 10 million yuan and national special loans. In principle, the method of "hatting" is adopted and is linked to the project.
(3) In order to adapt to the requirements of our bank’s operation and management after the first-level legal person system, and further exert the head office’s centralized control ability on the scale of fixed asset loans, starting from 1995, after the fixed asset loan expires and is recovered, , the sources of project loan indicators should be considered, and arrangements should be made by the head office and branches.
(4) The new part of the fixed asset loan scale in the current year and the concentrated part of the head office shall be determined by the head office based on the national industrial policy, credit investment direction, comprehensive situation of the project, the operation and management of the undertaking bank, capital affordability and other relevant conditions. Release after review and screening. The loan scale should be arranged to favor key and influential projects, coastal and economically developed areas, and banks with good capital returns.