A loan contract is a contract in which the parties agree that one party will transfer the ownership of a certain kind and quantity of currency to the other party, and the other party will return the same kind and quantity of currency within a certain period of time, that is, the borrower borrows money from the lender, and repay the loan at maturity and pay interest.
2. A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. A loan contract is also called a loan contract. According to the contract period, it can be divided into fixed-term loan contracts, indefinite loan contracts, short-term loan contracts, medium-term loan contracts and long-term loan contracts. According to different industry objects, contracts can be divided into industrial loan contracts, commercial loan contracts and agricultural loan contracts.
Three. Lenders must be professional financial institutions approved by the state, including the People's Bank of China and professional banks. Specialized banks refer to China Industrial and Commercial Bank, China People's Construction Bank, China Agricultural Bank, China Bank and credit cooperatives. National credit business can only be handled by national financial institutions, and no other unit or individual has the right to have a loan relationship with borrowers.
Four, the borrower generally refers to the implementation of independent accounting, self financing of the whole people and collective enterprises. State organs, social organizations, schools, research institutions and other units that implement budgetary allocations have no right to apply for loans from financial institutions. Under special circumstances, urban and rural individual industrial and commercial households and farmers who implement the production responsibility system can also become the main body of loan contracts and sign loan contracts with banks and credit cooperatives.
Five, the loan contract must meet the requirements of the national credit plan. Credit plan is the premise and condition for signing a loan contract. The borrower must apply for a loan from the lender according to the credit plan approved by the state; The lender must sign a loan contract with the borrower under the condition of complying with the credit policy of the national credit plan. We must strictly control over-planned loans.