(1) The enterprise shall submit a written application to the financial trust institution and provide the basic information of the enterprise as required

, production and operation conditions, loan purpose, loan conditions, and repayment ability. and sources of repayment and other relevant information.

(2) The handling personnel of the financial trust institution shall review and analyze the application content and information of the enterprise

and propose their own The analysis conclusions and opinions are reported step by step.

(3) The manager of the competent department will conduct a comprehensive analysis based on the preliminary review materials reported by the handling personnel, sort out the order of

the companies to be loaned, and organize Investigation.

(4) The handling personnel shall outline the outline according to the content to be investigated. After approval by the manager in charge

, the investigation will be conducted and an investigation report will be written.

(5) The manager in charge will conduct an review based on the investigation and relevant information, and make a final decision: goods

or not loan, loan amount and term.

(6 ) Enterprises that have been approved for a loan should issue an IOU to a financial trust institution and obtain a guarantee from an economic legal person with

resolvency; then, both the borrower and the lender sign a loan contract.

(7) The financial trust department will transfer the money to the account of the borrowing unit

according to the time specified in the contract and the IOU.

(8) After the loan is issued, it should be regularly and irregular inspections of loan usage, supervise the borrower's use of the loan in accordance with the purposes stipulated in the contract, and promptly deal with problems that arise to prevent risk losses.

(9) Loan maturity When the loan is due, it should be called in time to recover the principal and interest of the loan on time. If the borrowing unit cannot repay due to temporary

difficulties, it should submit an extension application before expiration, explain the reasons, adjust the repayment plan, and propose

Measures to ensure repayment, and the original guarantee unit has promised to renew the policy, and after review and approval by the financial trust institution,

One extension can be applied, and the extension period shall not exceed half a year.

(10) When the fixed asset trust loan ends, the handling personnel should also write a closing report and keep it on file