Settlement loans, the bank according to the enterprise within three days after delivery (special circumstances, the longest seven days) of the collection and acceptance settlement certificate, according to the cost of goods sold and freight settlement. Recovery of payment, recovery of loan.
For corporate loans and deposits, separate accounts should be opened in banks, with deposits as deposits and loans as loans. The issuance and recovery of various loans shall be recorded in various loan accounts. Four, enterprise liquidity loans, can only be used for the turnover of the production and circulation process, shall not be diverted to engage in capital construction, shall not be used to buy materials that are not needed for the production and operation of enterprises, shall not be used to pay unrealized profits and make up for losses of enterprises and other financial expenditures. The loan that should be returned must be returned by the enterprise on schedule.
The credit relationship of enterprises is concentrated in banks. Enterprises shall not borrow from each other, and shall not sell on credit in advance unless approved by the state due to special circumstances. Five, banks should actively support and help enterprises to do a good job in production and circulation, and strengthen the inspection and supervision of business activities through credit. For enterprises with suitable products, good quality and low consumption, banks provide support in the supply of funds. For enterprises with high consumption, inferior products and no market, banks will not lend. For enterprises that do not use loans or repay the principal and interest on time, banks have the right to take sanctions: deduct the principal and interest of loans from the income of enterprises, stop issuing loans, seal up materials until a request is made to the competent department, and implement compulsory management of enterprises.
An enterprise shall report its production and operation to the People's Bank, and provide the reported production plan, material supply and marketing plan, financial cost plan and statistics and accounting statements for the implementation of these plans. The above-mentioned plan statements and statistical data summarized by the competent department shall be sent to the bank at the same level. Three, in addition to the fixed loans issued according to the approved quota, other loans, enterprises must prepare annual and quarterly loan plans, and apply to the bank one by one according to the plan, indicating the loan amount, purpose, reason, return date and source of funds. After receiving the loan application from the enterprise, the bank should conduct research and review and timely approve it.
Settlement loans, the bank according to the enterprise within three days after delivery (special circumstances, the longest seven days) of the collection and acceptance settlement certificate, according to the cost of goods sold and freight settlement. Recovery of payment, recovery of loan.
For corporate loans and deposits, separate accounts should be opened in banks, with deposits as deposits and loans as loans. The issuance and recovery of various loans shall be recorded in various loan accounts. Four, enterprise liquidity loans, can only be used for the turnover of the production and circulation process, shall not be diverted to engage in capital construction, shall not be used to buy materials that are not needed for the production and operation of enterprises, shall not be used to pay unrealized profits and make up for losses of enterprises and other financial expenditures. The loan that should be returned must be returned by the enterprise on schedule.
The credit relationship of enterprises is concentrated in banks. Enterprises shall not borrow from each other, and shall not sell on credit in advance unless approved by the state due to special circumstances. Five, banks should actively support and help enterprises to do a good job in production and circulation, and strengthen the inspection and supervision of business activities through credit. For enterprises with suitable products, good quality and low consumption, banks provide support in the supply of funds. For enterprises with high consumption, inferior products and no market, banks will not lend. For enterprises that do not use loans or repay the principal and interest on time, banks have the right to take sanctions: deduct the principal and interest of loans from the income of enterprises, stop issuing loans, seal up materials until a request is made to the competent department, and implement compulsory management of enterprises.
An enterprise shall report its production and operation to the People's Bank, and provide the reported production plan, material supply and marketing plan, financial cost plan and statistics and accounting statements for the implementation of these plans. The above-mentioned plan statements and statistical data summarized by the competent department shall be sent to the bank at the same level. Six, the specific procedures for the implementation of these Provisions shall be separately determined by the head office of the People's Bank of China. Credit measures for commercial, grain, supply and marketing and foreign trade systems shall be formulated separately.
These regulations can be tried out in pilot enterprises that expand the operational autonomy of state-owned industrial enterprises, gain experience, improve them and gradually popularize them.