I. Main characteristics of medium and long-term loans

Compared with other loans, project loans have the following characteristics:

1. The projects supported by loans need to be examined and approved according to the examination and approval procedures stipulated by the state. Fixed assets investment projects generally have to go through several approvals, such as project initiation, feasibility study, preliminary design and commencement, before they can enter the construction. After the completion of the project, the relevant government departments will organize the completion, final accounts, acceptance and other work.

2. The matching of other construction funds must be considered for fixed assets loans. The state stipulates that construction projects must have capital, that is, investors' non-debt funds. The proportion of capital required by projects in different industries to the total investment is different, and bank loans cannot be used as project capital. The project capital that the Bank usually holds is above 3%.

3. The fixed assets loan has a long term, which is often a loan with one approval and multiple issuance; The interest rate is fixed every year. The fixed assets loan takes all the capital requirements of the whole project as the evaluation object, and it is approved and promised at one time. The loan phase is based on the progress of the project and the annual loan plan, which is issued year by year and one by one. The term of fixed assets loan contract refers to the period from the first loan to the last loan paid off. The contract interest rate is the first annual interest rate of the loan, which will be adjusted every year according to the interest rate changes of the People's Bank of China.

4. The fixed assets loan is one-off. A fixed asset loan can only be used for a fixed asset investment activity of the borrower. The loan will be withdrawn from the enterprise's production activities when the investment is made during the project construction, and the loan will be repaid after the project is completed and put into production, and the bank will gradually recover all the principal and interest of the loan. New fixed assets investment activities need to be re-established for approval according to regulations.

5. The repayment sources of fixed assets loans are mainly the borrower's after-tax profits, depreciation of fixed assets and other self-owned funds.

6. Fixed asset loans are highly professional, and the management process is complicated, which requires high quality of account managers.

ii. characteristics of medium-and long-term loans

medium-and long-term loans can also be called project loans, which refer to loans issued by commercial banks for borrowers' new fixed assets investment projects. 1. The projects supported by the loans need to be examined and approved according to the examination and approval procedures stipulated by the state.

2. The matching of other construction funds must be considered for fixed assets loans.

3. The fixed assets loan has a long term, which is often approved once and issued many times. The loan

4. The fixed assets loan is one-off. 1. A fixed assets investment activity of the borrower.

5. The repayment sources of fixed assets loans are mainly the borrower's after-tax profits, depreciation of fixed assets and other self-owned funds.

6. solid and miscellaneous, which requires high quality of account managers.

third, the main characteristics of medium and long-term loans

medium and long-term loans: loans with a loan term of more than 5 years

fourth, how to calculate the loan expense ratio?

Take the personal consumption loan of China Construction Bank as an example: there is no handling fee for bank loans, only the loan interest rate.

1. Short-term loan: within one year (including one year), the annual interest rate is 4.35%.

2. medium and long-term loans: one year to five years (including five years), with an annual interest rate of 4.75%.

3. Loan target:

It is applicable to China citizens with full civil capacity who are at least 18 years old and not more than 6 years old and have consumption financing needs.

4. loan purpose:

personal consumption loans must have clear consumption purposes, which can be used for various consumption expenses of individuals and their families (excluding the purchase of houses and commercial houses), such as housing decoration, car purchase, purchase of durable consumer goods, tourism, marriage, education and other consumption purposes.

5. Loan amount:

The loan amount for a single household shall not exceed 2 million yuan.