It depends on the requirements of the entrusting party. The bank only assists in recovery. Interest, loan purpose and repayment method are all decided by the entrusting party and the borrower through consultation. For capital construction project loans, the materials needed for normal capital construction project loans should be prepared.
Two, the purpose of entrusted loans is the basic construction project loans, borrowing enterprises need to entrust. ...
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Since it is a loan, it is needed. The significance of entrusted loans is that money is guaranteed, and banks do not have to bear major legal responsibilities, but banks still have to do the basic actions stipulated by the CBRC.
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Three. What is the provision for impairment of entrusted loans, and how to make provision for impairment of entrusted loans?
The provision for impairment of entrusted loans is mainly for financial institutions, which mainly depends on the difference between the book value of loans (denominated in amortized cost, also known as amortized cost) and the present value of expected future cash flows.
For example, at the beginning of 20 15, Bank A issued a five-year loan of 50 million yuan (actually received by enterprise B was 49 million yuan) to enterprise B. The annual contract interest rate was 10%, and the initial confirmed actual interest rate was 10.53% (in many cases, the contract interest rate was different from that of enterprise B.
Amortized cost confirmed at the end of 20 15 = 4900490010.53%-500 = 49159700.
If enterprise B has financial difficulties at the end of 20 17, the bank determines that the loan has been impaired, and it is estimated that only 5 million interest will be received by the end of 20 18, and only 25 million principal will be received by the end of 20 19.
Amortized cost calculated at the end of 205438+07 = 4938+060,000.
At the end of 20 17, the present value of cash flow that the bank expects to receive from enterprise b = 500/(110.53) 2500/(15438+00.53) 2 = 2498+047.
Because there are still two years from 20 19 to 20 17.
Therefore, the loan impairment loss confirmed by the bank at the end of 20 17 = 2454+078.
4. The purpose of entrusted loans is loans for infrastructure projects. Does the borrowing enterprise need to provide project information to the entrusted bank?
Since it is a loan, it is needed. The significance of entrusted loans is that money is guaranteed, and banks do not have to bear major legal responsibilities, but banks still have to do the basic actions stipulated by the CBRC.