Legal analysis: First, standardize the repayment methods of medium and long-term loans.
Second, reasonably determine the medium and long-term loan term.
Third, improve the long-term loan risk classification system
Four, improve the internal management system of medium and long-term loans.
Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan.
Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.
Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the interests of the state and society.
Second, what is the basis for setting the medium and long-term loan term of commercial banks?
Medium-term loans refer to loans with a loan term of more than one year (excluding one year), less than five years (including five years) and more than five years (excluding five years). Including: technical transformation loans, infrastructure real estate loans, etc. Medium-and long-term loans can also be called project loans, which refer to loans used by borrowers to build or expand capital projects. Real estate loans also belong to the category of project loans, but the policies implemented are different from those of project loans.
Loans are generally divided into four categories according to the term:
The loan term is more than 5 years (excluding)
B. Medium-term loans: loan term
C. Short-term loans: loan term
D. Overdraft: a loan with no fixed term.
3. What is the basis for setting the medium and long-term loan term of commercial banks?
What kind of loan do you mean? Personal loan or corporate loan? Which sub-business in these two categories? Different business surveys have different emphases.
Generally speaking, there are two major aspects, the first source of repayment and the second source of repayment.
The first repayment source refers to whether the operating income of the borrower or company is stable and reliable and whether it has repayment ability.
The second source of repayment refers to the guarantee. Guarantee mainly includes mortgage, guarantee company guarantee, stock/equity/deposit/charging right pledge, etc. Review whether the second repayment source is sufficient and whether the liquidity is strong.
The focus of the specific review and investigation depends on the specific business.