Foreign exchange loans are mainly aimed at enterprises (institutions) with foreign exchange payment needs, including Chinese-funded state-owned and collective enterprises (institutions); Joint-stock enterprises; Sino-foreign joint ventures and cooperative enterprises; Wholly foreign-owned enterprises; Hong Kong, Macao and Taiwan investment enterprises, etc.
(II) Conditions for granting foreign exchange loans From a macro perspective, foreign exchange loans have two basic conditions: First, loan projects must be declared according to procedures, approved and incorporated into the plan. Second, domestic supporting equipment should be implemented. The borrower shall also meet the following conditions:
(1) Good economic benefits, marketable products and the ability to repay the principal and interest of foreign exchange loans.
(2) foreign exchange loans/,must have independent legal personality, independent accounting, holding a loan certificate, and opening an account in a bank; Have a sound financial accounting system, and the asset-liability ratio generally does not exceed 75%; The registered capital has been put in place on schedule and verified according to law.
(3) The fixed assets loan project shall conform to the national industrial policy, be approved by the competent department, and implement the supporting RMB funds, equipment, materials and technical conditions for the project.
(4) Self-raised funds in the total investment of construction projects shall not be less than 30%, and the proportion of corporate owners' equity in newly-built projects shall generally not be less than 30%.
(5) When applying for a foreign exchange loan, the borrower shall provide relevant information recognized by the lender.
The turnover period of foreign exchange loans refers to the time from the use of foreign exchange to the settlement and repayment of foreign exchange
The calculation formula for the turnover period of foreign exchange loans is:
Turnover period of foreign exchange loans = (average balance of foreign exchange loans in assessment period × number of days in assessment period/accumulated amount of foreign exchange loans in assessment period) × 100%.
The turnover period of foreign exchange loans reflects the turnover rate of bank foreign exchange loans in a certain period of time. The shorter the turnover period of foreign exchange loans, the faster the turnover rate of foreign exchange loans; On the contrary, the turnover rate of foreign exchange loans is slow.
For example, a bank issued a total of $2.4 million in foreign exchange loans a year, with an average annual foreign exchange loan balance of $65.438+92 billion. The turnover period of its foreign exchange loan is:
Turnover period of foreign exchange loan = (19.2×365 (days) /240)× 100%.