Hehe, I explicitly told you that you don't need to use entrusted payment if the strict card law requires it.
Entrusted loan is an intermediary business, so it cannot match the financing of personal loan projects. . . These are the concepts of self-operated loans.
Two, the bank entrusted loans, whether it is necessary to handle in accordance with the spirit of "three methods, one guide". ...
Hehe, let me tell you clearly that if the strict card method requires, you don't need to use entrusted loans, which is an intermediary business and cannot match the financing of current loans, fixed loans and personal loans. . . These are the concepts of self-operated loans.
Three, the bank entrusted loans, is it necessary to pay in accordance with the spirit of "three methods, one guide"?
Hehe, this couple clearly told you that the strict card law requires intermediary business and fixed loans. . . These are the concepts of self-operated loans.
Four, three methods 1. When is the guide issued?
On 2002102 12, CBRC promulgated "three measures and one guideline", namely, Interim Measures for the Management of Fixed Assets Loans, Interim Measures for the Management of Working Capital Loans, Interim Measures for the Management of Personal Loans and Guidelines for Project Financing.
The loan scope covered by "three methods and one guideline"
Fixed assets loan
1. Definition: refers to "local and foreign currency loans issued by lenders to enterprise legal persons (institutions) or other organizations that can be used as borrowers as stipulated by the state for the borrower's investment in fixed assets.
Fixed assets: refers to assets with service life exceeding 1 year and high unit value, which should be included in the scope of fixed assets according to the national accounting system and standards.
2. According to the different division of project operation mode and repayment source:
Project financing: financing provided with the project legal person specially established for financing projects as the borrower, the project cash flow and income as the main repayment source and the project assets as the guarantee.
General fixed assets loan: financing provided by taking the existing legal person as the borrower and all the cash flow and income of the borrower as the comprehensive repayment source.
3, fixed assets loans by use:
(1) Capital construction loans: loans mainly used for infrastructure, municipal works, service facilities and new or expanded projects to expand production capacity or engineering benefits.
(2) Technical transformation loans: loans for technical transformation and renewal projects of enterprises and institutions with the expansion of reproduction as the main content.
(3) Real estate development loans: loans to real estate development enterprises for housing construction projects such as houses, commercial houses and multi-purpose houses for external sales and leasing, as well as land development projects authorized or entrusted by the government for paid transfer or transfer.
(4) Other fixed assets loans: refers to loans for fixed assets investment projects such as construction and purchase other than the above purposes.
② Working capital loan
Definition: refers to the local and foreign currency loans issued by the lender to enterprises (institutions) or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers.
(3) Personal loan
Definition: refers to local and foreign currency loans granted by lenders to qualified natural persons for personal consumption, production and operation.
Personal special loans issued by farmers for productive loans and other special national policies will not be implemented for the time being.