Materials for handling fixed assets loans of China Bank:
The information required for specific projects is different. Please contact your local China banking institution for details.
Handling the fixed assets loan business of China Bank may involve but not be limited to the following materials: business license, account opening permit (if any), legal person ID card, credit code certificate (if any), articles of association, capital verification report or capital adequacy ratio certificate, company survival compliance review and other basic materials; Pollutant discharge permit and special industry access permit; Audited and latest financial statements and subject details in the last three years, articles of association, and company and senior management profile; If it is a project loan, it should also provide feasibility study report, filing certificate or approval certificate, environmental assessment, safety assessment and four certificates; Letter of authorization for credit inquiry and loan application; After the loan is issued, cooperate with post-loan management to provide relevant information such as capital flow and use certificate.
Where the corresponding loan involves guarantee, it may involve but not limited to the following materials: guarantee guarantee. If the guarantor is an enterprise, it shall provide the basic information, financial information and credit inquiry authorization of the guarantee enterprise. ; If the guarantor is an individual, he shall provide proof of identity, marriage certificate, power of attorney for credit investigation, etc. ; Collateral guarantee, collateral related warrants (real estate warrants, equipment purchase tax receipts, etc.). ) should be provided.
The above contents are for your reference. Please refer to the actual business regulations.
What is a fixed asset loan?
Fixed assets loans refer to loans issued by enterprises, institutions, legal persons or other organizations that can act as borrowers as stipulated by the state for the borrower's investment in fixed assets. Fixed assets loans include capital construction loans and renovation loans.
What is a fixed asset loan?
Question 1: What is a fixed asset loan? What is a fixed asset loan? Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for the construction, purchase and transformation of fixed assets projects and the long-term principal loans for the construction of corresponding supporting facilities.
First of all, the scope involved
The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation.
Second, the characteristics of loans
Compared with general short-term loans, fixed assets loans have the following characteristics.
1, with long loan term.
Compared with the production of general products, the reproduction of fixed assets has the characteristics of huge scale and long production cycle. Therefore, the loan period of fixed assets loans is also longer than that of general short-term loans.
2. Dual planning
Fixed assets loan projects should not only be included in the national fixed assets investment plan and have construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.
3. Management continuity
The supervision and management of working capital loans is generally limited to the production or circulation process, while fixed assets loans should be managed not only during the construction process, but also after the project is completed and put into operation until all principal and interest are paid off.
Question 2: What is a fixed asset loan? Fixed assets loans are loans issued by banks to meet the different capital needs of enterprises such as purchasing fixed assets, technological transformation, technology introduction and technology development.
Banks provide loans for fixed assets, meet the capital demand in the process of upgrading fixed assets through credit, and give full play to the leverage role of banks in promoting economic development and high-tech development, which is of great significance to promoting national economic development and accelerating modernization.
Simply put, fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities.
Hope to adopt
Question 3: What are "fixed assets loans and working capital loans"? According to the different purposes of loan funds, loans can be divided into fixed assets loans and working capital loans. Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for the construction, purchase and transformation of fixed assets projects and the long-term principal loans for the construction of corresponding supporting facilities. The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation. Working capital loan is a loan issued to meet people's short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years. As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost.
Question 4: What is a fixed asset loan? Your understanding is correct. In addition, generally speaking, project financing is a complete project, that is, it can form a complete production capacity and generate income, so the object of project financing is generally a new independent legal person or accounting unit. Fixed assets loans include a wide range, which can be infrastructure loans, technical transformation loans, and even include the transformation or renewal of a certain part of the production line, new production capacity and so on. Therefore, fixed asset loans can examine the overall repayment ability of borrowers, while project financing generally pays attention to the repayment ability of the project itself, and of course does not exclude other secondary repayment sources such as mortgages and guarantees. Generally speaking, the loan amount of project financing is large. Such as roads, airports, power grids, power stations, nuclear power plants, reservoirs and so on. Project financing is usually adopted, while fixed asset loans are generally used for single equipment procurement. Fixed assets loan is a big concept, and project financing is a part of it.
Question 5: Basic introduction of fixed assets loans 1. Loan currency: RMB and two kinds. 2. Loan term: The loan term is mainly determined by the borrower's production and operation cycle, project construction needs, repayment ability and the bank's credit fund balance ability through consultation. Generally not more than 5 years. 3. Loan interest rate: the medium and long-term loan interest rate issued by the People's Bank of China shall be implemented, and the interest rate shall be fixed according to the one-year loan contract, that is, the interest rate agreed in the loan contract shall be implemented within one year from the effective date of the contract, and the interest rate shall remain unchanged; After one year, adjust the current interest rate and implement the new interest rate. Compared with general short-term loans, fixed assets loans have the following characteristics. 1. Compared with the production activities of general products, the reproduction activities of fixed assets with long loan period have the characteristics of huge scale and long production cycle. Therefore, the loan period of fixed assets loans is also longer than that of general short-term loans. 2. The dual-plan fixed assets loan project should not only be included in the national fixed assets investment plan and have the construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan. 3. Management continuity The supervision and management of general working capital loans is limited to the production or circulation process, while fixed assets loans need to be managed not only during the construction process, but also after the project is completed and put into production until all principal and interest are paid off.
Question 6: What tangible assets with the following characteristics are included in the fixed assets loan?
Held to provide services for the production of leased or operated goods.
The service life exceeds one fiscal year.
Fixed assets can only be recognized when the following conditions are met:
The economic benefits related to the fixed assets are likely to flow into the enterprise.
The cost of this fixed asset can be measured reliably.
If the service life of each component of a fixed asset is different or it provides economic benefits to the enterprise in different ways, and different depreciation rates or depreciation methods are applicable, each component shall be recognized as a separate fixed asset.
Question 7: What is a project loan? Project financing, also known as project loan, is essentially a non-recourse financing loan. One of its important characteristics is that lenders usually don't consider the current credit ability of project sponsors as an important factor when deciding whether to issue loans. If the project itself has potential, project financing can be completely successful even if the project sponsor has few assets and unsatisfactory income; On the other hand, if the development prospect of the project itself is not good. Even if the project sponsor is now larger and has more assets, the project financing may not be successful. The core of project financing is that the funds for loan repayment come from the project itself, not other sources, which is the biggest difference between project financing and general loans.
Question 8: Brief Introduction of Laws and Regulations on Fixed Assets Loans Interim Measures for the Management of Fixed Assets Loans Order No.2 of 2009 of China Banking Regulatory Commission The Interim Measures for the Management of Fixed Assets Loans have been adopted at the 72nd Chairman's Meeting of China Banking Regulatory Commission and are hereby promulgated. These Measures shall come into force three months after the date of promulgation. Chairman July 23rd, 2009 Interim Measures for the Administration of Fixed Assets Loans Chapter I General Provisions Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other laws and regulations in order to standardize the operation of fixed assets loans of banking financial institutions, strengthen the prudent management of fixed assets loans and promote the healthy development of fixed assets loans. Article 2 Banking financial institutions (hereinafter referred to as lenders) established within the territory of People's Republic of China (PRC) with the approval of the State Council Banking Regulatory Authority shall abide by these Measures when engaging in fixed assets loan business. Article 3 The term "fixed assets loans" as mentioned in these Measures refers to loans granted by lenders to enterprises (institutions), legal persons or other organizations that can act as borrowers as stipulated by the state for the borrower's investment in fixed assets. Article 4 Lenders shall follow the principles of compliance with laws, prudent operation, equality, voluntariness, fairness and good faith when conducting fixed asset loan business. Article 5 Lenders shall improve the internal control mechanism, implement the whole process management of loans, fully understand the information of customers and projects, establish a risk management system for fixed assets loans and an effective post balance mechanism, assign the responsibilities of all aspects of loan management to specific departments and posts, and establish a post assessment and accountability mechanism. Article 6 The lender shall bring the fixed assets loan into the unified credit line management of the borrower and the group customers to which the borrower belongs, and establish the risk limit management system of the fixed assets loan according to the dimensions of region, industry and loan type. Article 7 The lender shall agree with the borrower on a clear and legal purpose of the loan, and inspect and supervise the use of the loan according to the agreement to prevent the loan from being misappropriated. Article 8 Banking supervision institutions shall supervise and manage the fixed asset loan business of lenders in accordance with these Measures. Chapter II Acceptance and Investigation Article 9 An application for a fixed asset loan accepted by a lender shall meet the following conditions: (1) The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law; (2) The borrower's credit status is good and there is no significant bad record; (3) If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record; (four) the state has the qualification requirements for the investment subject and business qualification requirements that meet the requirements of the proposed investment project; (five) the purpose of the loan and the source of repayment are clear and legal; (six) the project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects according to regulations; (seven) in line with the provisions of the state on the capital system of investment projects; (8) Other conditions required by the lender. Article 10 The lender shall require the borrower to provide the form and specific contents of the application materials, and require the borrower to follow the principle of honesty and trustworthiness and promise that the materials provided are true, complete and effective. Article 11 The lender shall implement the specific responsible departments and posts, conduct due diligence and form a written report. The main contents of due diligence include: (1) information of borrowers, project sponsors and other related parties; (two) the situation of the loan project; (3) loan guarantee; (4) Other contents that need to be investigated. The due diligence personnel shall ensure the authenticity, completeness and validity of the contents of the due diligence report. Chapter III Risk Assessment and Approval Article 12 The lender shall specify the specific responsible departments and posts, conduct a comprehensive risk assessment of fixed assets loans, and form a risk assessment report. Article 13 Lenders shall establish and improve the risk assessment system for fixed assets loans, set quantitative or qualitative indicators and standards, and conduct loan risk assessment from the perspectives of borrowers, project sponsors, project compliance, project technical and financial feasibility, project product market, project financing scheme, repayment source reliability, guarantee and insurance. Article 14 Lenders shall, in accordance with the principle of separating loan review from grading approval, standardize the approval process of fixed assets loans, clarify the approval authority of loans, and ensure that the approving personnel independently approve loans according to the authorization. Chapter IV Signing of Contracts Article 15 A lender shall sign a written loan contract, guarantee contract and other relevant contracts with the borrower and other relevant parties. The rights, obligations and liabilities for breach of contract of each party shall be specified in detail in the contract to avoid that important matters are not agreed, unclear or invalid. Article 16 The lender shall agree with the borrower on the specific loan amount, term, interest rate, purpose, payment method, repayment guarantee and risk disposal in this contract. ......
Question 9: What's the difference between fixed assets loans and working capital loans? The purpose of fixed assets loans and working capital loans is to solve the capital demand of fixed assets investment activities of enterprises to meet the needs of enterprises. Short-term capital demand should be examined one by one for medium-term loans with a term of 65,438+0-5 years or long-term loans with a term of more than 5 years, short-term loans with a term of 65,438+0 years or medium-term loans with a term of 65,438+0-3 years, and applications for borrowing or using working capital should be examined one by one. There are many external factors, uncertainties and unstable factors, and the risks are mainly concentrated in the long-term, stable income, short-term and medium-term income of the borrower, guarantor or mortgagor.
Question 10: Is the real estate development loan a fixed asset loan? Chapter I General Provisions Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other laws and regulations in order to standardize the fixed asset loan business of banking financial institutions, strengthen the prudent management of fixed asset loans and promote the healthy development of fixed asset loans. Article 2 Banking financial institutions (hereinafter referred to as lenders) established within the territory of People's Republic of China (PRC) with the approval of the State Council Banking Regulatory Authority shall abide by these Measures when engaging in fixed assets loan business. Article 3 The term "fixed assets loans" as mentioned in these Measures refers to loans granted by lenders to enterprises (institutions), legal persons or other organizations that can act as borrowers as stipulated by the state for the borrower's investment in fixed assets. Article 4 Lenders shall follow the principles of compliance with laws, prudent operation, equality, voluntariness, fairness and good faith when conducting fixed asset loan business. Article 5 Lenders shall improve the internal control mechanism, implement the whole process management of loans, fully understand the information of customers and projects, establish a risk management system for fixed assets loans and an effective post balance mechanism, assign the responsibilities of all aspects of loan management to specific departments and posts, and establish a post assessment and accountability mechanism. Article 6 The lender shall bring the fixed assets loan into the unified credit line management of the borrower and the group customers to which the borrower belongs, and establish the risk limit management system of the fixed assets loan according to the dimensions of region, industry and loan type. Article 7 The lender shall agree with the borrower on a clear and legal purpose of the loan, and inspect and supervise the use of the loan according to the agreement to prevent the loan from being misappropriated. Article 8 Banking supervision institutions shall supervise and manage the fixed asset loan business of lenders in accordance with these Measures. Chapter II Acceptance and Investigation Article 9 An application for a fixed asset loan accepted by a lender shall meet the following conditions: (1) The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law; (2) The borrower's credit status is good and there is no significant bad record; (3) If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record; (four) the state has the qualification requirements for the investment subject and business qualification requirements that meet the requirements of the proposed investment project; (five) the purpose of the loan and the source of repayment are clear and legal; (six) the project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects according to regulations; (seven) in line with the provisions of the state on the capital system of investment projects; (8) Other conditions required by the lender. Article 10 The lender shall require the borrower to provide the form and specific contents of the application materials, and require the borrower to follow the principle of honesty and trustworthiness and promise that the materials provided are true, complete and effective. Article 11 The lender shall implement the specific responsible departments and posts, conduct due diligence and form a written report. The main contents of due diligence include: (1) information of borrowers, project sponsors and other related parties; (two) the situation of the loan project; (3) loan guarantee; (4) Other contents that need to be investigated. The due diligence personnel shall ensure the authenticity, completeness and validity of the contents of the due diligence report. Chapter III Risk Assessment and Approval Article 12 The lender shall specify the specific responsible departments and posts, conduct a comprehensive risk assessment of fixed assets loans, and form a risk assessment report. Article 13 Lenders shall establish and improve the risk assessment system for fixed assets loans, set quantitative or qualitative indicators and standards, and conduct loan risk assessment from the perspectives of borrowers, project sponsors, project compliance, project technical and financial feasibility, project product market, project financing scheme, repayment source reliability, guarantee and insurance. Article 14 Lenders shall, in accordance with the principle of separating loan review from grading approval, standardize the approval process of fixed assets loans, clarify the approval authority of loans, and ensure that the approving personnel independently approve loans according to the authorization. Chapter IV Signing of Contracts Article 15 A lender shall sign a written loan contract, guarantee contract and other relevant contracts with the borrower and other relevant parties. The rights, obligations and liabilities for breach of contract of each party shall be specified in detail in the contract to avoid that important matters are not agreed, unclear or invalid. Article 16 The lender shall agree with the borrower in this contract on the specific loan amount, term, interest rate, purpose, payment method, repayment guarantee, risk disposal and other related details. Article 17 The lender shall agree with the borrower in this contract on the withdrawal conditions, the payment of loan funds managed and controlled by the lender and other terms related to the purpose of the loan. The withdrawal conditions should include the requirements that all the capital in the same proportion as the loan has been put in place, and the actual progress of the project matches the investment amount. Article 18 Lenders ......
This is the end of the introduction of the meaning of fixed assets loan guarantee and fixed assets guarantee. I wonder if you found the information you need from it?