(1) Enterprises invested by Sino-Swiss funds;
(2) An economic entity registered by the administrative department for industry and commerce with legal person status;
(3) It has a sound and stable management organization and corresponding management technicians, a sound management system, a good reputation, a broad market prospect for products, and the ability to repay the principal and interest of loans;
(4) It has reliable measures to bear the loan risk and can provide effective guarantee;
(5) The capital contributions of all shareholders have been paid in full.
(6) The asset-liability ratio shall not exceed 50%;
(seven) other conditions required by the development bank. Article 7 The loan amount provided by the development bank to a Sino-Swiss fund investment enterprise shall generally not exceed the total net assets of the enterprise. Chapter III Term of Loan and Interest Rate Article 8 The term of loan is generally three months, six months and one year, with the longest term not exceeding one year, which can be extended across years. Article 9 The loan interest rate shall be implemented according to the loan interest rate published by the Development Bank for the same period. Chapter IV Loan Application and Approval Article 10 The loan application shall be accepted by the Investment Bureau, and the loan applicant shall submit the following materials to the Investment Bureau:
(1) loan application. It mainly includes the total amount of the loan, the purpose, the term, the source of repayment funds, and the guarantee method.
(2) Basic information of the loan applicant. It mainly includes: enterprise operation, main products and market situation, financial situation, background introduction of middle and senior managers, etc.
(3) The legal person business license, articles of association, identity certificate of legal representative, bank account opening certificate and loan certificate of the loan applicant, and bank credit certificate issued by the basic account opening bank, etc.
(4) A capital verification report issued by a qualified accounting firm or the financial statements at the end of the previous year and the latest month audited by a qualified accounting firm.
(five) the feasibility study report of the loan project or the benefit analysis and repayment source analysis of the loan.
(6) Documents certifying the contribution of the Sino-Swiss Fund and other shareholders.
(seven) other materials required by the development bank. Article 11 After receiving the borrower's application, the Bureau of Investment and Commerce shall mainly examine:
(1) Whether the application materials are true and complete;
(2) Whether the loan scope and conditions meet the requirements;
(three) the source of repayment funds and whether the safeguard measures are implemented. Article 12 On the basis of examination, the Investment Business Bureau shall put forward specific opinions on the loan application, obtain the consent of relevant branches (including the business department of the head office), countersign the loan review bureau, the comprehensive planning bureau and the credit management bureau, and report them to the leaders of the bank for approval. Article 13 For the projects approved by the leaders of the bank, the Investment Business Bureau shall handle the loan commitment letter, inform the loan applicant by letter, and send a copy to the Credit Management Bureau and relevant branches (including the business department of the head office). Chapter V Negotiation and Signing of Loan Contract Article 14 The development bank branches in the borrower's area (including the business department of the head office) are responsible for the negotiation and signing of loan contracts under the guidance of the Investment Business Bureau, and the Legal Affairs Bureau and the Credit Management Bureau are responsible for the examination and approval of loan contracts. Chapter VI Lending and Recovery Article 15 Lending
After the signing of the loan contract, the branch (including the business department of the head office) can handle the account opening procedures for the borrower according to the relevant regulations.
All branches (including the business department of the head office) shall, according to the loan contract, implement the plan with the borrower, and report it to the Credit Management Bureau of the head office and the Comprehensive Planning Bureau for review, and then include it in the annual credit plan.
Branches (including the business department of the head office) apply to the Treasury Bureau of the head office for fund allocation according to the annual credit plan, and go through the loan issuance procedures after approval. Article 16 Supervision, management and recovery of loans
(1) The loan interest shall be settled quarterly, and the principal shall be repaid once upon maturity, and the interest shall be paid with the principal.
(two) the provisions of the loan in principle, no extension, overdue penalty interest.
(3) Branches (including the business department of the Head Office) shall be responsible for the supervision, management, recovery and submission of loans in accordance with the relevant provisions of the Head Office, and the Investment Business Bureau shall cooperate with them. Chapter VII Loan Guarantee Article 17 Loan guarantees are provided in the following ways:
(1) Shareholders shall provide guarantee in proportion to their capital contribution.
(2) The enterprise legal person of the Sino-Swiss fund investment project provides pledge or asset mortgage guarantee.
(3) The guarantee shall be provided by a legal person with guarantee ability confirmed by the Development Bank.