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, even if the project sponsor has less assets and unsatisfactory income, the project financing can be completely successful; 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 money to repay the loan comes from the project itself, not from other channels, which is the biggest difference between project financing and general loans.

What is the difference between a project loan and a project financing loan?

Project financing loans include project loans.

For example, a project loan can be mortgaged with the fixed assets of the project, which means that.

Project financing loan is a very broad definition, such as building a power plant. Once the power plant is put into use, there will be accounts receivable, and you can use the accounts receivable as a pledge loan. This can't be called project loan in general, but belongs to project financing loan.

Please contact me if you need any project financing. At present, there are many ways of project loans, such as pledge of accounts receivable, contract mortgage loan for travel liquidated damages, etc.

I want to know what a loan means.

Hello, project loan refers to the method of financing a specific project. It is a form of medium-and long-term loan, which is the abbreviation of project loan.

If you have any other questions, please open cmbchina, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.

What is the difference between enterprise project loans and project financing loans?

Project financing loan belongs to fixed assets loan, which takes project benefit as the main source of repayment. Project financing loan is a very broad definition. For example, when a power plant is built, there will be accounts receivable as soon as the power plant is put into use, and then the accounts receivable can be used as pledge loans. This is not an ordinary project loan, but a project financing loan.

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.

What is a project loan, and what are the requirements for application?

Project loans are generally medium and long-term loans, but also short-term loans for temporary turnover of projects. Mainly includes:

1. Capital construction loan: refers to the loan approved by the competent department of the state for capital construction such as infrastructure, municipal works, service facilities, and new and expanded productive projects.

2. Technical transformation loan: refers to the loan granted for the technical transformation projects of existing enterprises focusing on connotation expansion and reproduction.

3. Science and technology development loan: refers to the loan granted for the research and development of new technologies and new products and the transformation or application of scientific and technological achievements to the production field.

4. Commercial outlet loan: refers to the loan that commercial, catering and service enterprises apply to the bank for expanding outlets, improving service facilities and increasing storage area when the self-raised construction funds are insufficient.

M&A loan: refers to the loan issued in the process of restructuring due to the financing needs arising from the paid merger and acquisition of other domestic enterprises and institutions, completed projects, asset and debt restructuring of domestic advantageous customers, etc. M&A loan is a special project loan.

6. Real estate loans: including enterprise real estate business and personal housing consumption loan business. Only the enterprise real estate business is introduced here, including commercial housing development loans, enterprise commercial housing loans, student apartment construction loans and installation investment loans of construction and installation enterprises.

7. Project financing refers to a kind of debt financing with no recourse or limited recourse obtained by taking the assets, expected income or rights and interests of the project as collateral.

A borrower applying for a project loan shall meet the following conditions:

1. Open a basic account or general deposit account in a bank. The area where loan certificate management is implemented must hold a loan certificate issued by the People's Bank of China; To apply for loans for foreign exchange projects, you must hold import certificates or registration documents.

2. The project conforms to the national industrial policy, credit policy and bank loan investment.

3. The project has the capital ratio stipulated by the state.

4. Projects that need to be approved by relevant departments must have approval documents.

5. The borrower has good credit standing, strong solvency, perfect management system, and the proportion of foreign equity investment conforms to the relevant provisions of the state.

6. Being able to provide legal and effective guarantee.

What are the characteristics of project loans?

The project loan has the following characteristics:

1. Projects supported by the loan itself need to be examined and approved according to the examination and approval procedures stipulated by the state. Fixed assets investment projects generally have to go through several approvals, such as project initiation, feasibility study, preliminary design and construction, before they can enter the construction. After the completion of the project, * * * relevant departments will organize completion, final accounts and acceptance.

2, fixed assets loans must consider other construction funds. The state stipulates that construction projects must have capital, that is, investors' non-debt funds. The proportion of funds required for projects in different industries to the total investment is different, and bank loans cannot be used as project capital. Our bank usually holds more than 30% of the project capital.

3. Fixed assets loans have a long term, which is often one-time approval, multiple issuance and loans; The interest rate is fixed every year. The fixed assets loan takes all the capital requirements of the whole project as the evaluation object, and the commitment is approved at one time. According to the project schedule and the annual loan plan, the loan stage will be completed year by year. The term of fixed assets loan contract refers to the period from the first loan to the last loan. The contract interest rate is the first annual interest rate of the loan, which is adjusted every year according to the interest rate changes of the People's Bank of China.

4. Fixed assets loans are one-off. A fixed asset loan can only be used for a fixed asset investment activity of the borrower. The loan is withdrawn from the production activities of the enterprise from the beginning of the project construction, to the completion and commissioning of the project, and to the time when the bank gradually recovers all the principal and interest of the loan. New fixed assets investment activities need to be re-approved according to regulations.

5. The repayment sources of fixed assets loans are mainly the borrower's after-tax profits, depreciation of fixed assets and other self-owned funds.

6. Fixed assets loans are highly professional, and the management process is complex, which requires high quality of account managers.

What is a commodity loan? What is a project loan?

Commodity loan is an aid loan provided by one country to another country for purchasing machinery, tools, materials and other commodities.

Project loan refers to the method of financing a specific project. It is a form of international medium-and long-term loans, which is the abbreviation of project loans. Due to inflation and the sharp increase in the cost of new large-scale engineering projects, investment risks are also increasing; In addition, some * * * or corporate funds are occupied in ongoing projects, which also makes it impossible to hold new large-scale projects. In order to promote the construction of large-scale projects and explore new ways to use funds, some banks have started this kind of project loan business. This kind of business is different from all kinds of traditional financing business. In addition to the project sponsor, a newly established project unit is needed to raise funds, build and manage the project. This is also one of its characteristics.

What information does the project loan need?

1 enterprise loan problem 1. 1 enterprise loan conditions (1) have been registered in the administrative department of industrial and commercial bank of this municipality; (2) Having a fixed place for production and business operation; (3) The bank opens a settlement account; (4) Holding a loan card issued by the People's Bank of China and passing the annual inspection; (5) The enterprise is in good operating condition; (6) The enterprise has a good reputation; (7) provide financial statements; (8) Providing collateral or guarantor approved by the bank. 1.2 classification of enterprise loans At present, loans to enterprises by major banks are mainly divided into mortgage loans and credit loans. The former uses fixed assets as collateral and applies for certain funds from the bank. The latter is mainly aimed at enterprises with good bank records and credit, usually large companies. 1.3 enterprise loan methods: working capital loan, fixed assets loan, credit loan, secured loan, stock pledge loan, foreign exchange pledge loan, unit term pledge loan, gold pledge loan, syndicated loan, bank acceptance bill discount, commercial acceptance bill discount, buyer's or agreed interest-bearing bill discount, domestic recourse factoring, and export tax rebate account custody loan. 1.4 enterprise loan application process (1) The applicant contacts the business department of the banking company, submits a loan application and provides the above materials; (2) The bank shall review the application materials of the borrower; (3) After the internal audit of the bank is passed, both parties sign the RMB working capital loan agreement and other relevant agreements (such as guarantee contract, mortgage contract, pledge contract, etc.). ); (4) The borrower opens a loan account in the bank to withdraw the loan. Enterprise credit loans loan China enterprise credit loans-No mortgage, no guarantee, simple procedures, flexible term, fast approval and fast loan, providing sufficient liquidity for enterprises, fully meeting different business needs of enterprises, and helping enterprises to smoothly expand their business at home and abroad. Loan application amount: no more than 5 million yuan.

The difference between fixed assets loan and project 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.

What is an ICBC project loan?

Project loans refer to loans issued by banks to enterprises for new construction, expansion, transformation, development and purchase of fixed assets investment projects. Project loans have the characteristics of flexible term and diverse combinations. Your enterprise has opened a basic deposit account or general deposit account in our bank, and its credit status is good. The project conforms to national laws and regulations, industrial policies and our credit policies, so you can apply to our bank.