1, steel and electrolytic aluminum projects, the minimum capital ratio is 40%.
2. For cement projects, the minimum capital ratio is 35%.
3, coal, calcium carbide, ferroalloy, caustic soda, coke, yellow phosphorus, corn deep processing, airports, ports, coastal and inland shipping projects, the minimum capital ratio is 30%.
4. Except railways, highways, urban rail transit, chemical fertilizers and potash fertilizers, the minimum capital ratio is 25%.
5. The minimum capital ratio of affordable housing and ordinary commodity housing projects is 20%, and that of other real estate development projects is 30%.
6. The minimum capital ratio of other projects is 20%.
The sources of asset capital are as follows:
1. The project capital must be the non-debt capital of the investment project, and the project legal person will not bear any debt and interest on this part of the capital;
2. Encourage project legal persons and project investors to raise funds for investment projects by issuing equity and equity financial instruments. All kinds of funds raised by issuing financial instruments should be classified as equity instruments according to the unified national accounting system, which can be recognized as investment project capital, but it shall not exceed 50% of the total capital.
3. Shareholders' loans that meet the requirements of the state can be used as project capital;
4. Local governments at all levels and their relevant departments can make overall use of budget funds at the corresponding level, higher-level subsidy funds and other financial funds to raise project capital, and can use government special bonds as qualified major project capital in accordance with relevant regulations.
To sum up, the Notice on Adjusting the Capital Ratio of Fixed Assets Investment Projects further clarifies that the minimum capital ratio of affordable housing and ordinary commodity housing projects is 20%, and the minimum capital ratio of other real estate development projects is 30%.
Legal basis:
Article 37 of the Banking Supervision Law of the People's Republic of China
Prescribed regulatory measures:
(1) There are defects in the business process of fixed assets loan;
(two) failing to implement the responsibility of each link of loan management to specific departments and posts according to the requirements of these measures;
(3) Due diligence on loan investigation and risk assessment;
(four) failing to continuously and effectively monitor the borrower and the operation of the project according to the provisions of these measures;
(5) The borrower fails to take effective measures in time when it breaches the contract.