1 Keep the original loan contract;
2. The renewed contract indicates that it is a supplementary contract reached after the first loan contract;
3. indicate the repayment period and interest agreement;
4. Both parties sign to confirm the validity of the contract and sign the date.
I. Loans
1. Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. A simple and popular understanding is to borrow money with interest.
2. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of expanding social reproduction and promoting economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the borrower's credit standing, check whether the borrower's registered capital is consistent with the loan _ check whether there is obvious withdrawal of registered capital _ past loan and repayment; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the loan conditions of the borrower, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations, and whether the foreign investment of the borrower (if it is a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.
Three. Borrower and its responsible person
Special examination should also be conducted on borrowers and their responsible persons. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel, including:
(a) for the chairman, general manager, factory director, manager and other key personnel gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas, excessively arranging weddings and funerals, buying luxury cars disproportionate to their economic strength, and frequently renting luxury hotels, we must strictly control their corporate loans.
(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives.