When will the three laws and one guideline be promulgated?

On February 1 20265438, the CBRC promulgated "three measures and one guideline", namely, Interim Measures for the Management of Fixed Assets Loans, Interim Measures for the Management of Working Capital Loans, Interim Measures for the Management of Personal Loans and Guidelines for Project Financing.

The loan scope covered by "three methods and one guideline"

Fixed assets loan

1. Definition: refers to "local and foreign currency loans issued by lenders to enterprise legal persons (institutions) or other organizations that can be used as borrowers as stipulated by the state for the borrower's investment in fixed assets.

Fixed assets: refers to assets with service life exceeding 1 year and high unit value, which should be included in the scope of fixed assets according to the national accounting system and standards.

2. According to the different division of project operation mode and repayment source:

Project financing: financing provided with the project legal person specially established for financing projects as the borrower, the project cash flow and income as the main repayment source and the project assets as the guarantee.

General fixed assets loan: financing provided by taking the existing legal person as the borrower and all the cash flow and income of the borrower as the comprehensive repayment source.