1. Are there any capital ratio requirements for project loans?

Related requirements for project capital for bank project loans: The state stipulates that construction projects must have capital, that is, the investor's non-debt funds. Projects in different industries require different proportions of capital to total investment. Bank loans cannot be used as project capital. Banks usually hold more than 30% of project capital. Project loan, also known as project financing, or project financing, is a financing method guaranteed by the feasibility of the project itself with a relatively high return on investment or by the mortgage of a third party. The main forms of mortgage include project operation rights, project property rights and special government support (with documents), etc. The biggest difference between project financing and general loans is that the funds to repay the loan come from the project itself, not other sources.

Extended information: To apply for a project loan, you should meet the following conditions:

1. Open a basic deposit account or general deposit account in a bank. Areas that implement loan certificate management must hold a loan certificate issued by the People's Bank of China; to apply for a foreign exchange project loan, you must hold an import certificate or registration document.

2. The project complies with national industrial policies, credit policies and our bank’s loan investment direction.

3. The project has a capital ratio required by the state.

4. Projects that require approval from relevant government departments must have approval documents.

5. The borrower has good credit status, strong repayment ability, complete management system, and the proportion of external equity investment complies with relevant national regulations.

6. Be able to provide legal and effective guarantees.

II. Project loan capital ratio requirements

Project loans require that the proportion of self-owned capital be no less than 30% of the total investment. The project capital must be invested before bank loan funds or at the same time. In the case of proportional investment, it is also required that capital cannot be withdrawn before the loan matures, and equity and profit distribution must not be carried out in any form.

The full name of project loan is engineering project loan, also known as project financing. It is generally a medium and long-term loan. It is a kind of financing that is guaranteed by the feasibility of a higher investment return on the project itself or by a third-party mortgage. Way.

3. Requirements for capital ratio of project loans

Project loans require that the proportion of self-owned capital shall not be less than 30% of the total investment. The project capital shall be invested before the bank loan funds or at the same time. In the case of proportional investment, it is also required that capital cannot be withdrawn before the loan matures, and equity and profit distribution must not be carried out in any form.

The full name of project loan is engineering project loan, also known as project financing. It is generally a medium and long-term loan. It is a kind of financing that is guaranteed by the feasibility of a higher investment return on the project itself or by a third-party mortgage. Way.

IV. How to determine the capital ratio of the project?

According to the "Notice of the State Council on Adjusting the Capital Ratio of Fixed Asset Investment Projects", the State Council decided to adjust the capital ratio of fixed asset investment projects starting from May 25, 2009. The capital ratio of fixed asset investment projects shall be appropriately adjusted, among which the minimum capital ratio of steel and electrolytic aluminum projects is 40%. The minimum capital ratio for cement projects is 35%; the minimum capital ratio for coal, calcium carbide, ferroalloy, caustic soda, coke, yellow phosphorus, corn deep processing, airports, ports, coastal and inland shipping projects is 30%; railways, highways, and urban rail transit The minimum capital ratio for chemical fertilizer (except potassium fertilizer) projects is 25%; the minimum capital ratio for affordable housing and ordinary commercial housing projects is 20%, and the minimum capital ratio for other real estate development projects is 30%. The minimum capital ratio for other projects is 20%. The document also stipulates that with the approval of the State Council, the minimum capital ratio requirements can be appropriately reduced for major national construction projects with special circumstances. For independent innovation and high-tech investment projects of small and medium-sized enterprises supported by the state, the minimum capital ratio can be appropriately lowered. Foreign investment projects shall be implemented in accordance with current relevant laws and regulations.