(2) Principle of Progress Lending: In the process of medium and long-term loan granting, banks should pay according to the amount of completed projects. In case of installment payment or complicated payment procedures, the bank should get in touch with the borrower before the planned withdrawal date. If the borrower needs to change the withdrawal plan, he shall apply to the bank within a reasonable time before the planned withdrawal date and obtain the consent of the bank. If the borrower changes the use of funds without the approval of the bank, the bank has the right not to pay.
(3) Principle of capital adequacy: Banks need to check whether all the capital of the projects under construction has been put in place. Even if the loan cannot be paid in full and on time due to special reasons, the proportion of loan withdrawal should be lower than that of the borrower's capital. In addition, in principle, the loan cannot be used for the borrower's capital, equity and other financing that the enterprise needs to raise by itself.
1. loan principle refers to the basic principles that banks should follow in managing loans. Bank loans under different social systems should follow certain principles. In order to pursue profits, liquidity, safety and profitability have become the three basic principles of capitalist bank loans. The lending principles of socialist banks are fundamentally different from those of capitalist banks. In practice, banks in China have identified three lending principles. Its contents are as follows: (1) Loans should be issued in a planned and purposeful way. Banks must issue loans according to policies, contracts and market supply and demand according to the credit plan approved by the state, and distinguish enterprises, industries and products. It is called the planning principle. (2) Loans must be combined with material movement. Bank loans should be guaranteed by suitable, marketable and appropriate materials or property, so as to keep the purchasing power of money formed by loans in balance with the supply of goods. Short for guarantee principle. (3) The loan must be repaid on schedule and interest paid. Bank loans should be based on the normal cycle of commodity production and circulation to determine the term, due to return; The borrower should also bear the economic responsibility for using the funds, and the bank should calculate the interest according to the purpose and duration of the loan. Referred to as repayment principle.