You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Second, how do banks view PPP projects: more than 20 conditions need to be met before lending.

Banks have different loan requirements for different modes of PPP, such as BOT, BOO and TOT. A PPP (public-lic-private partnership) project needs to meet more than 20 conditions, including project location, repayment source, asset-liability ratio, paid-in capital, cash flow and so on.

Taking cash flow as an example, the loan opinion requires that urban infrastructure and public service projects need stable operating cash flow, and the income paid by project users and the government should cover the loan principal and interest in full. In addition, the payer involved is the public. If the project fails to pass the price hearing mechanism, effective mortgage guarantee methods should be added; If the project fails to pass the price hearing after completion, the loan shall be stopped immediately, and the customer shall be required to repay the loan principal and interest and related expenses immediately.

As the CBRC has not defined and required the PPP loan, the submission believes that these loan conditions are only the most basic principle requirements for PPP projects. However, in the view of some PPP experts, these conditions are too harsh, which actually represents the wait-and-see attitude of commercial banks towards PPP project financing.

Third, how do banks view PPP projects: more than 20 conditions need to be met before lending.

Banks have different loan requirements for POT, BOO and TOT. A lic-Priva project, in which the government cooperates with social capital, needs the source of funds, asset-liability ratio, paid-in capital and cash flow to successfully obtain bank loans.

Taking cash flow as an example, the loan opinion requires that urban infrastructure and public service projects need stable operating cash flow, and the income paid by project users and the government should be sufficient, involving users and the public, and effective mortgage guarantee should be added if any; If the project fails to pass the price hearing after completion, the loan shall be stopped immediately, and the customer shall be required to repay the loan principal and interest and related expenses immediately.

Due to the clear definition and requirements of loans, the submission believes that these loans are needed in principle. However, in the view of some PPP experts, these conditions are too harsh and actually represent the commitment of commercial banks to PPP projects.

4. What is the funding source of 4.ppp project?

Sources of funds for PPP projects

Traditional PPP projects have the characteristics of long investment cycle and large investment scale. At present, with the upsurge of PPP project construction, various financial institutions participate in the financing field of PPP projects in different ways within the scope of their respective applicable laws and regulations. Basically, PPP projects are funded by six institutions:

1 commercial bank

Commercial banks are the largest group of financial institutions in China and the most important source of funds for PPP projects. At present, commercial banks mainly provide funds for PPP projects through loans, bonds, bank financing and mezzanine funds.

1, granting loans

On the basis of reviewing the credit status, cash flow and credit enhancement measures of PPP projects or implementers, commercial banks can provide loan financing services including project loans, syndicated loans and working capital loans for PPP project companies.

Step 2 Issue bonds

Commercial banks have strong ability to issue and sell bonds. On the basis of meeting the regulatory conditions, they can provide underwriting services for PPP project companies such as short-term financing bills, medium-term notes and PPN.

3. Bank investment

Bank financing funds can not only cooperate with other financial institutions through trust loans, entrusted loans for asset management and asset securitization business, but also participate in PPP project financing through trust plans, special asset management plans and leasing, and can also directly participate in PPP project financing.

4. mezzanine fund

Mezzanine fund is a financing form with risks and benefits between debt financing and equity financing. Commercial banks usually participate in mezzanine funds in combination with their traditional credit business. At present, the important form for commercial banks to participate in mezzanine funds is that banks participate in various PPP funds or urban development funds.

Two policy banks

Policy banks represent the policy-oriented signal and main force of domestic public facilities investment and financing, and are also the main source of domestic PPP financing. The difference between policy banks and traditional banks is that they can provide medium and long-term bank loans for PPP projects, as well as special credit support and long-term preferential interest rate loans in key national support areas.

Three securities companies

Securities companies provide funds for PPP projects, not only providing investment banking financing services such as bond underwriting and issuance for PPP project companies, but also providing financing services by designing investment products such as asset securitization products for PPP projects.

4 insurance company

There are two main ways for insurance companies to participate in PPP project financing: one is to provide underwriting services for various risks of PPP projects through insurance products to ensure the smooth implementation of PPP projects. The second is to use insurance funds to invest in PPP projects through appropriate quotas. Judging from the long capital demand cycle of PPP project, it conforms to the characteristics of long-term asset allocation of insurance funds.

5 trust company

In the process of PPP project financing, trust companies can directly participate in the establishment of PPP project companies as social capital, and can also provide project loans, bridge loan and mezzanine financing for project construction through trust loans.

6 private equity institutions

As the backbone of private capital, private equity institutions can first ease the obstacles of project construction and get a return on investment by participating in PPP project companies. Secondly, private equity institutions can also participate in the establishment of PPP funds or take the PPP model as the carrier, participate in the central or provincial characteristic industry guidance funds with their own funds, and set up special PPP funds in cooperation with low-cost funds of financial institutions such as commercial banks to give full play to their professional skills in raising funds and attract more social capital to invest in PPP project construction.