1. After the mortgage loan is approved by the bank, the borrower shall sign a loan contract with the bank (format attached) in triplicate, and the handling bank shall keep one copy. One copy is submitted to the foreign exchange administration branch for mortgage registration; One copy shall be kept by the enterprise for future reference.
2. Credit guarantee. The enterprise provides China Bank with an irrevocable letter of guarantee issued by financial institutions, enterprises and other units with reliable credit standing and the ability to repay the principal and interest of the loan. Mortgage guarantee. The enterprise mortgages its property and rights and interests to the bank as a guarantee for paying the principal and interest of the loan of the Bank of China.
3. The loan is not due, and the mortgage unit cannot return it in advance. After the loan expires, the mortgagor will return the reduced RMB loan amount, and the entrusted bank will return the original mortgaged foreign exchange amount, which is not affected by exchange rate changes. If the RMB loan cannot be repaid at maturity, the mortgaged foreign exchange shall be owned by the People's Bank of China.
4. Repayment method of China Bank's foreign exchange loan for studying abroad: If the loan term is less than one year (inclusive), the principal and interest can be repaid in equal monthly (quarterly), and the principal and interest will be paid off in one lump sum when the loan expires.
Article 2 All banks, including local and regional banks, that engage in foreign exchange business with the approval of the State shall abide by these Measures.
6. During the outstanding loan period, the original insurance policy shall be kept by the handling bank. Pledge method: The acceptable pledge of foreign exchange loans for studying abroad is the deposit certificate issued by China banking system, and other pledges are not accepted for the time being.
General rules for the administration of domestic foreign exchange loans
1. According to the document 125 and the Measures for the Administration of Foreign Debts of Foreign-funded Banks at Home and Abroad (Order No.9 of the National Development and Reform Commission, the People's Bank of China and the China Banking Regulatory Commission in 2004) and other laws and regulations, domestic foreign exchange loans other than export bills may not be settled.
2. Article 8 After the final repayment of the principal and interest of each refinancing loan, the user shall hand in the cancellation of the refinancing registration certificate to the local management department within one week. Article 9 Intermediate lending management departments that directly use foreign exchange cash or quota to repay lending debts also need to go through the formalities of lending registration, but they can use the form of monthly statement.
Article 8 When domestic institutions accept loans from banks and enterprises in foreign countries or Hongkong, Macao and other regions, they must be summarized by the competent authorities of the State Council or the people's governments of provinces, municipalities and autonomous regions respectively, and an annual loan plan shall be prepared, which shall be submitted to the State Council for approval by the State Administration of Foreign Exchange and the Foreign Investment Management Committee. Measures for loan approval shall be formulated separately.
What are the regulations on the management of domestic foreign exchange loans?
According to the document number 125 and the Measures for the Administration of Foreign Debts of Foreign-funded Banks at Home and Abroad (Order No.9 of the National Development and Reform Commission, People's Bank of China and China Banking Regulatory Commission in 2004) and other laws and regulations, domestic foreign exchange loans other than export bills shall not be settled.
Article 3 The State implements a comprehensive registration management system for reloans. The State Administration of Foreign Exchange and its branches (hereinafter referred to as the foreign exchange administration department) are responsible for the registration, management and approval of sub-loans.
Chapter III Loan Term and Interest Rate Article 3 The loan term shall be from the effective date of the loan contract to the date when all the loan principal and interest agreed in the foreign exchange loan contract are paid off, generally not exceeding half a year, and the longest period shall not exceed 65,438+0 years.
This is the end of the introduction of domestic foreign exchange loan management measures and domestic foreign exchange loan management measures. I wonder if you found the information you need from it?