The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Article 18 The rights of the borrower:
First, you can apply for loans from the host bank or the agent bank of other banks independently and get loans according to the conditions;
Two, have the right to withdraw and use all the loans as agreed in the contract;
3. Have the right to refuse additional conditions other than the loan contract;
4. Have the right to report relevant information to the superior bank of the lender and the People's Bank of China;
Five, with the consent of the lender, have the right to transfer the debt to a third party.
Article 19 Obligations of the Borrower:
1. It shall truthfully provide the information required by the lender (except those that cannot be provided by law), and truthfully provide all the bank accounts, account numbers and deposit and loan balances to the lender, and cooperate with the lender's investigation, review and inspection;
Two, should accept the lender's supervision of its use of credit funds and related production, operation and financial activities;
3. The loan shall be used for the purposes agreed in the loan contract;
Four, should pay off the loan principal and interest in time according to the loan contract;
5. The transfer of all or part of the debt to a third party requires the consent of the lender;
When intransitive verbs endanger the creditor's rights, they shall promptly notify the lender and take preservation measures.
Article 20 Restrictions on the Borrower:
1. Loans shall not be obtained from two or more branches at the same level within the same jurisdiction of 1 lender.
Two, shall not provide false or conceal important facts to the lender's balance sheet, income statement, etc.
Three, shall not use loans to engage in equity investment, unless otherwise stipulated by the state.
Four, the loan shall not be used for speculation in securities and futures.
Five, in addition to the borrower who has obtained the qualification to operate real estate according to law, shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation.
Six, not to borrow with loans to seek illegal income.
Seven, shall not use foreign currency loans in violation of the provisions of the state administration of foreign exchange.
Eight, shall not take fraudulent means to defraud loans.