According to Article 15 of the Guidelines for Syndicated Loan Business (Revised), syndicated loans are encouraged for large loans that meet one of the following circumstances: ① large group customers, large project financing and large liquidity financing; ② The total financing amount of a single enterprise or a single project exceeds 65,438+00% of the net capital of the lending bank; ③ The total credit granted by a single group customer exceeds 65,438+05% of the net capital of the lending bank; (4) The borrower chooses banking financial institutions for project financing through competitive negotiation. The local banking association may, in accordance with the above principles and in combination with the actual situation in the region, organize member banks within its jurisdiction to jointly determine the specific lower limit of the syndicated loan amount.