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2. What is the project loan application process?

With the rapid economic development in China, many cities have started infrastructure construction, and many projects need loans to start. What is the project loan application process?

1 Generally, it is a medium-and long-term loan, involving a relatively high amount, which requires a lot of communication and investigation in the early stage. Go to the bank to introduce the company's nature, registered place, operating years, financing needs, uses and so on. In addition, it is necessary to introduce the current progress of the project, the proportion of its own funds, application procedures, etc.

2. Acceptance: After receiving the loan application, the bank needs to set up a project team to judge the legality, compliance and construction terms of the project. Those who do not meet the requirements will be rejected directly, and if accepted, an in-depth investigation will be conducted.

3. Investigation: such as loan application, (local) tax registration certificate, loan card, letter opening inquiry authorization and other necessary documents and books. There are also some capital verification reports, articles of association, identity certificates of responsible persons, financial statements, collateral certificates, etc. , and detailed information related to the project. After receiving the information, the bank will also conduct on-site investigation to verify the relevant information and predict the future development of the project.

4. Lending: The bank will issue an analysis report to inform the borrower of the approval results, then sign a contract and wait for the loan.

This is the introduction of the project. I hope the answer helps.

Three. What is the general process of project financing?

The procedures of project investment mainly include: project proposal, project evaluation, project decision-making, project implementation and re-evaluation.

The project investment implementation plan includes:

1, project overview (including project name, project construction site and selection basis, project construction objectives, project construction content and scale, project construction period and progress, project investment budget and funding sources, and preliminary preparation)

2. The guiding ideology, principles and basis of project preparation

3. Feasibility and necessity of project implementation

4. Overview of the project area

5. Project construction content (project construction scale, project construction cycle and progress, main technical scheme of the project)

6, investment budget and financing (project investment budget, financing plan, capital plan arrangement)

7. Project benefit prediction (economic benefit, social benefit and ecological benefit)

8. Project bidding scheme (compilation basis, project overview, bidding scheme)

9. Project organization and management (organization and leadership, standardization of technical indicators, project fund management, project publicity system, supervision and inspection, post-construction management and guarantee)