Corporate credit flow system.

Clpm system operation flow:

I. Customer application

This link can be that customers take the initiative to apply for credit business in banks, or that banks take the initiative to market credit business to customers and ask customers to apply for credit from banks. Credit personnel should not only carefully understand the needs of customers, but also accurately introduce CCB's relevant credit regulations (including the borrower's qualification requirements, interest rates, rates, term, use, preferential conditions and customer default treatment).

Second, the qualification examination

(1) Customer qualification requirements: According to the requirements of the General Rules for Loans, the borrower should be an enterprise (institution) legal person, other economic organizations, government agencies with management functions and a loan card (certificate) approved and registered by the industrial and commercial administration (or competent authority). Other economic organizations include: sole proprietorship enterprises and partnerships (subject to the written consent of all partners); A partnership enterprise registered in accordance with the law to obtain a business license (subject to the written consent of the parties to the joint venture); A Chinese-foreign contractual joint venture that has registered and obtained a business license according to law but does not have the status of an independent legal person (subject to the written consent of all parties to the cooperation); Social organizations engaged in business activities approved and registered by the civil affairs department; Township, street and village-run enterprises that have registered and obtained business licenses according to law but do not have legal personality; A branch of an enterprise as a legal person that has registered and obtained a business license according to law and is authorized by the legal person in writing.

(2) Preliminary examination

After receiving the customer's application materials, the accepting personnel shall check whether the materials are complete according to the List of Application Materials for Bank Credit Business, and conduct a preliminary review on the completeness, legality, standardization, authenticity and effectiveness of the materials. The specific examination contents are as follows:

1. Basic information review

(1) application for bank credit business

① The variety, currency, term, amount, guarantee method and loan purpose of the credit business are consistent with the contents of the negotiation.

② The official seal stamped is clear and consistent with the business license and enterprise name on the loan card (certificate).

(2) Financial statements

① The official seal stamped is clear and consistent with the business license and enterprise name on the loan card (certificate).

(2) the approval opinion of the financial department or the audit report of the accounting (auditing) firm.

(3) tax registration certificate

There are anti-counterfeiting marks inspected by the tax authorities.

IV. Resolutions of the shareholders' meeting or the board of directors

① The contents shall include: the purpose, duration, amount, guarantee method and entrusted agent of applying for credit business.

(2) The number of effective signatories specified in the company's articles of association or organizational documents shall be reached.

(5) Loan card (certificate)

(1) within the validity period.

② Qualified in the annual review.

(six) the business license and other valid documents have passed the annual examination.

2. Preliminary review of credit business materials

According to the provisions of various credit businesses, conduct a preliminary review of the credit business materials provided by customers.

3. Preliminary examination of guarantee materials

Conduct a preliminary review of the guarantee materials provided by customers according to relevant regulations.