To help your friend decompress the car loan, you must first confirm whether your friend's car loan has been paid off. If the car loan has been paid off, according to the relevant regulations, you can entrust others to decompress the car, which has no effect on you. You can sign it and go to your friend to decompress the car.

If the car loan has not been paid back, you need to sign to ensure decompression, depending on your friend's repayment ability. Signing this word is a bit risky.

2. Does the Risk Department of the entrusted loan bank need to sign?

Yes, the risk department of the entrusted loan bank needs to sign to confirm that they have reviewed the loan application and that the loan meets the bank's loan policy and legal requirements. Yes, the risk department of the entrusted loan bank needs to sign to confirm that they have reviewed the loan application and that the loan meets the bank's loan policy and legal requirements. Yes, the risk department of the entrusted loan bank needs to sign to confirm that they have reviewed the loan application and that the loan meets the bank's loan policy and legal requirements.

Three, the use of World Bank loans for construction projects need to tender?

Article 1 Measures for Procurement Management

All regions and departments shall handle the procurement and contract management of World Bank loan projects in accordance with these Provisions. It is necessary to formulate local or departmental measures or regulations, which can only be promulgated and implemented after being examined and approved by the Ministry of Finance.

Article 2 Procurement Plan

Each batch of procurement plan/list formulated by the project party and the central ministries and commissions shall be submitted to the local provincial finance department for review and written confirmation, and comments or confirmation shall be made within ten working days after receiving the plan/list (if within the specified time limit).

Article 3 Selection of bidding agency

The tendering agency (hereinafter referred to as the tendering agency) is selected according to the procedures and methods stipulated in the Guidelines for Entrusting International Tendering Agencies for Loan Projects of the World Bank and the Asian Development Bank issued by the project unit. The project owner unit shall issue the entrustment invitation letter according to the company undertaking the international bidding business, and the entrustment invitation letter shall be compiled according to the Sample Invitation Letter for Consultation compiled by the Ministry of Finance (hereinafter referred to as the invitation letter).

Each bidding agency shall put forward a detailed bidding and procurement consulting service plan according to the requirements of the Invitation Letter, and make a charging quotation according to a certain proportion of the total amount of the procurement contract. The scheme shall include that the entrustment agreement shall not be changed without the consent of the project owner. After the World Bank prepares the format, the tendering agency and the project unit shall sign the tender in this format.

Evaluation report of bidding agency for central projects (including railway, post and telecommunications, electric power, banking and technical assistance projects, etc.). ), bundled projects of central ministries and commissions and projects of intermediate financial institutions shall be submitted by the project unit to the project tendering agency, and then submitted by the project owner unit to the Ministry of Finance for review and filing. The project unit and the bidding agency can only carry out it after obtaining the written consent of the financial department. The rights and obligations of both parties to the agreement shall be clearly stipulated in the entrustment agreement. The bidding agency and the project unit shall make manual arrangements in the process of bidding and contract execution.

The bidding agency of domestic competitive bidding (and the choice of mode.

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(A) the preparation of the tender documents

1. The commercial part of the bidding documents used in international and domestic competitive bidding must adopt the template of the bidding and purchasing documents of the World Bank loan project (hereinafter referred to as the template), and no bidding agency or project unit may modify, reprint or print the template. The tendering agency and the project unit shall prepare the pre-schedule (bidding data sheet) of the "Instructions to Bidders", the data sheet of the contract/bidding appendix (special terms) and the special terms of the construction project contract that are allowed to be compiled, and submit these self-compiled parts to the World Bank for approval together with the technical specifications and relevant schedules approved by the relevant domestic authorities (with a copy to the Ministry of Finance). The model standard clauses may not be sent to the World Bank for review. According to the bidding goods and engineering projects, the bid that does not meet the commercial terms shall be deemed as invalid, and it shall be indicated in the schedule (bidding data sheet) before the "Instructions to Bidders".

The technical specifications, bill of quantities and drawings of this project and the performance/qualification requirements for manufacturers/contractors shall be compiled by the project unit. The technical specification parameters of the equipment shall be marked with "",and the corresponding clauses shall be marked with the words "Scrap if it does not meet the requirements". If complete sets of equipment are purchased, a list of equipment shall be listed, and the main equipment shall be marked with "".

3. In the pre-attached table (bidding data sheet) of the instructions to bidders of the tender documents, it should be indicated that the copy of the tender is used in the bid evaluation, and the bidder must ensure that the original and the copy of the tender are completely consistent, and the bidder shall bear the risk of nullifying the bid due to the inconsistency between the original and the copy.

4. In the international competitive bidding of construction projects, in order to prevent bidders from winning the bid at unrealistic low prices and ensure the project is completed on time and with good quality, it should be stipulated in the bidding documents that the quotations of domestic bidders or domestic subcontractors are based on the quota standards formulated by the domestic industry authorities at the time of bid evaluation, and the construction plan should be reviewed and clarified. If the bid price is less than twenty percent (20%) of the estimated budget, and the bidding construction scheme is not obviously advanced, and it cannot be proved that the cost can be greatly reduced, it can be considered as a waste bid.

(2) Review of bidding documents

1. The project unit purchasing mechanical and electrical equipment shall send the bidding documents of the equipment to be purchased to the National Mechanical and Electrical Products Import and Export Office (hereinafter referred to as the National Mechanical and Electrical Import and Export Office) for review. When submitted for review, the submission letter of bidding documents forwarded by the mechanical and electrical products import office of the corresponding region or department, a copy of the project feasibility study report or the plan for utilizing foreign capital and the procurement list approved by the State Planning Commission shall be attached. The National Electromechanical Import and Export Office will review the bidding documents jointly with the manufacturing authorities such as the Ministry of Machinery and the Ministry of Electronics. For "quota products" and "specific products", the National Electromechanical Import and Export Office will notify the project unit in writing of the audit opinions within 20 working days (postponed on legal holidays) after receiving the qualified bidding documents. For the "automatically registered" mechanical and electrical products, the National Electromechanical Import and Export Office will inform the project unit of the audit opinions within ten working days. With the consent of the National Electromechanical Import and Export Office, the project unit may submit the audited bidding documents to the World Bank through its bidding agency. If the World Bank has different opinions, the project unit and the National Electromechanical Import and Export Office will negotiate with the relevant audit units to study the reply opinions, which will be put forward by the project unit through the bidding agency. After the World Bank approves the tender documents, it may issue a tender announcement, and the project unit and the tender agency shall not change the approved tender documents without authorization.

2. While preparing the technical specifications of the tender documents, the project unit shall formulate the main parameters and allowable deviation range of the technical waste bid, as well as the calculation method of deviation discount. If the evaluation method is adopted, the evaluation standard shall be formulated. Energy-saving parameters, methods and standards of mechanical and electrical equipment shall be submitted together with the tender documents and submitted to the Ministry of Finance for the record; The relevant parameters, methods and standards of construction projects and general commodity indicators should be sent to the finance department at the same level for the record.

3 complete sets of equipment bidding procurement and supply installation contract, need to prequalify the bidder, it shall submit the prequalification documents in accordance with the bidding document submission procedures. The pre-trial results shall be reported to the member units of the State Bid Evaluation Committee (hereinafter referred to as the National Jury) for review. Where it is necessary to prequalify bidders for construction projects and general commodity standards in local projects and bundled projects of central ministries and commissions, the prequalification results shall be reported to the local provincial financial department for the record.

(3) Announcements and circulars

For all contracts with an estimated contract value of10 million dollars or more, the tender notice or prequalification notice shall be published in United Nations Development Business and/or famous international technical magazines, newspapers and trade publications according to the provisions of the World Bank procurement guidelines.

(4) bid opening

1. The bid opening shall be conducted in accordance with the provisions in the appendix 1 "Instructions for Bid Evaluation" in the standard bid evaluation report format (hereinafter referred to as "Bid Evaluation Report Format"). According to the time and place of the tender announcement. The bidder's bidding scheme, alternative scheme, price reduction statement or price discount should be sung together at the time of bid opening, otherwise it will not be recognized at the time of bid evaluation.

2. After the bid opening, the original and copy of the tender shall be checked and corrected immediately, and then the original and the recording of singing the bid shall be sealed in the bidding agency designated by the National Jury. Use a copy when evaluating bids. The unit responsible for sealing the original tender shall ensure the original. When unsealing and reading the original tender, the representatives of the bidding agency, the project unit and the member units of the national jury shall be present.

3. The tendering agency and the project unit shall, within three working days after the bid opening, submit the bid opening record and the converted dollar price list (stamped with the official seal of the unit) to the World Bank and the member units of the National Jury for the record.

(5) Bid evaluation

The bid evaluation shall be conducted in accordance with the principles and methods specified in the format of the bid evaluation report. The local financial departments and the mechanical and electrical products import offices of corresponding regions and departments should participate in the bid evaluation of bundled projects of local and central ministries and commissions. According to the actual situation in China, the following specific provisions are made for the bid evaluation of mechanical and electrical equipment:

1. Commercial bid evaluation requirements

In the business review, a bid in any of the following circumstances will be considered as a rejected bid:

(1) The bidder and the bid goods do not meet the requirements of paragraph 5(b) in the attachment of bid evaluation report format 1 "Bid Evaluation Guide";

(2) The bidder fails to submit or fails to submit the bid bond or the amount is insufficient, the validity period of the guarantee is insufficient, and the issuing bank does not meet the requirements of the tender documents;

(3) When the agent bids, there is no proof of supply in the tender, or there is no valid power of attorney of the main equipment manufacturer indicated in the tender documents;

(4) The bid documents are not signed by the legal representative, or the signatory has no valid power of attorney from the legal representative;

(5) The bid is not effective enough.

(6) The bid does not conform to the commercial clause of "If it is not satisfied enough, it will be deemed invalid" stipulated in the tender documents.

2. Technical bid evaluation requirements

(1) If the bid does not meet the main parameters and deviation range (i.e. note number) in the technical specifications of the bidding documents, it will be rejected.

(2) Fill in the technical comparison table, which shall be truthfully filled in according to the requirements of the tender documents and the parameters in the tender, and shall not be represented by symbols. For technical problems that need to be clarified and can be clarified, if they meet the requirements after clarification, they shall be accepted as valid bids, but they shall be indicated in the comparison table.

3. Price evaluation requirements

(1) The bid evaluation shall be conducted according to the bid evaluation factors in the bidding documents, and the part that needs to be increased or decreased shall be explained according to the bidding documents and the bidding documents;

(2) The bidder must list the list and prices of necessary parts during the quality guarantee period according to the requirements of the bidding documents and the technical conditions of the equipment, and include the prices of spare parts in the total bid price. If the equipment provided does not need necessary components, it should be stated in the tender, otherwise, the highest price of necessary components in other valid bids will be included in the total bid evaluation price of the bid.

In the whole process of bid evaluation, if clarification is needed, it should be made in written form, and it should not be clarified orally for any reason, otherwise it may lead to the rejection of the bid.

4. Performance measurement

If the performance does not meet the requirements of the tender documents, the bid will be rejected, but the following conditions will be regarded as qualified bidding performance.

(1) The wholly foreign-owned enterprises, joint ventures and Chinese-foreign cooperative enterprises in China have produced similar products of the same grade that meet the technical requirements of the bidding documents and put them into operation, and the technical responsible party has assumed full technical responsibility in bidding. Its performance meets the requirements of the tender documents.

(2) For the products produced by Chinese-foreign cooperation, the performance of the technical chief responsible party meets the requirements of the bidding documents.

5. Principles for handling some problems in the initial evaluation.

(1) When bidding for a joint venture, the legal documents of the joint venture must be complete and the responsibilities of all parties must be clear. All bidding documents shall be issued in the name of the main bidder.

(2) The original credit certificate of the bank shall be provided, and a copy of the credit certificate issued by the bank within three months before the bid opening date may also be provided. According to the actual situation, the tendering agency and the project unit have the right to request new original credit certificates. If the tender cannot be provided, the tender can be scrapped.

(3) Domestic bidders should participate in the bidding according to the business scope registered by the administrative department for industry and commerce, otherwise the bidding will be rejected.

(4) The quotation is based on the origin of the equipment, and the quotation of domestic equipment is ex-factory price (EXW). For the method of giving preferential bid evaluation price to domestic equipment, see Annex I of the format of bid evaluation report.

(5) If the formula method stipulated in the tender documents gives domestic preferential treatment, when comparing the bid evaluation prices, the price of the foreign part will be increased by fifteen percent (15%) or the actual tariffs and other import taxes payable will be added, whichever is lower.

(6) In a tender, the bidder can only provide one subcontractor plan, subcontracting ratio, subcontracting equipment, manufacturer and price, and should have a subcontracting agreement. If it cannot be met, the bid may be rejected.

(7) Copying the technical specifications of the tender documents as part of the tender may lead to the rejection of the tender.

(six) review and evaluation results

1. After the initial evaluation of mechanical and electrical equipment, the project unit and the tendering agency shall promptly submit the bid evaluation report stamped with the official seals of both parties and signed by the judges to the member units of the National Jury. The bid evaluation report shall be prepared according to the format of the bid evaluation report. Each member unit shall put forward its review opinions within seven working days after receiving the bid evaluation report that meets the requirements (no objection is deemed after the deadline). If the members of the national jury disagree, they shall hold a meeting within one week thereafter. Make a review decision according to the articles of association of the State Bid Evaluation Committee. The project unit and the tendering agency may submit the bid evaluation report to the World Bank for approval after receiving the "Notice of Preliminary Evaluation Results" from the National Jury. If the World Bank has any objection, the national jury of the project unit and the tendering agency will make corresponding explanations, clarifications and supplements. If you want to change the award-winning proposal, you should get the consent of the national jury. With the approval of the World Bank, the tendering agency may issue a bid-winning notice. Need to import mechanical and electrical equipment, before signing the supply contract, should be according to the "quota products", "specific products" and "registered products" were reported to the corresponding mechanical and electrical products import office (with the notice of the national jury, the bid-winning certificate and the World Bank approval letter) for the relevant import procedures.

2. Two-step bidding is adopted, and the evaluation results of each step are submitted to the member units of the National Jury for evaluation.

3. The bid evaluation report of construction projects and general commodity targets, local projects should be sent to the corresponding local provincial financial departments for the record, and the bundled projects of the central and central ministries should be sent to the Ministry of Finance for the record.

Article 5 Other procurement procedures

(a) limited international bidding is basically handled in accordance with the principle of international competitive bidding. When the tender documents are submitted for review, a list of bidders to be invited shall be provided, including qualified domestic bidders. After the bidding documents have been examined and approved by the National Electromechanical Import and Export Office, an invitation to bid can be issued directly to the invited bidders.

(2) Domestic competitive bidding shall be handled in accordance with the Guide to Domestic Competitive Bidding promulgated by the Ministry of Finance.

(3) Mechanical and electrical equipment purchased through international inquiry and imported directly from abroad shall be divided into quota, specific and registered categories according to import management regulations before purchase, and shall be reported to the corresponding mechanical and electrical products import office for approval before purchase. Inquiry purchase should be made from at least three suppliers. And should invite domestic qualified suppliers to quote. The results of inquiry and direct mining shall be submitted to the World Bank after being audited by the corresponding mechanical and electrical products import office (the bundled projects of local and central ministries and commissions shall also be audited by the corresponding local provincial financial departments). Import and payment procedures can only be handled after approval by the World Bank.

(4) Domestic inquiry and direct purchase shall be handled in accordance with the relevant provisions of the World Bank and China.

Article 6 Confirmation of Purchase Contract

Procurement contracts for local projects and projects bundled by central ministries and commissions shall be reported to the relevant local provincial financial departments for review and written confirmation before they are formally signed. The financial department shall, within seven working days, confirm or notify the project unit of the reasons for not agreeing to confirm. The main contents of the examination and confirmation are: whether the terms of the contract to be signed deviate significantly from the bidding documents, whether unnecessary unproductive contents are added, whether the contract price exceeds the original tender offer, and why? Wait a minute. If individual provinces fail to confirm or propose to increase or decrease the supply quantity of bundled projects, and fail to confirm or propose to increase or decrease the quantity within plus or minus 15% (15%) of the original bidding quantity, they may consider canceling the unconfirmed supply content and quantity in the contract or adjusting the quantity according to suggestions. If most provinces do not confirm, the contract may not be signed. After the contract is signed, the project unit shall send a copy of the contract to the original confirmation unit for the record as the basis for contract payment and debt implementation. Any modification of the contract during the execution of the contract shall be approved by the original confirmation unit in advance. The financial department shall pay the contract money on schedule as stipulated in the contract.

Fourth, entrust others to give themselves loans. Do you want to go to the bank to sign?

Let's clarify a few questions first: Who is the lender? What is the relationship between the lender and you? How did the lender get your identity document? Do you know the lender's behavior in advance?

The bank's practice is certainly illegal, but obviously not all the responsibilities need to be borne by the bank. How much responsibility does the bank need to bear? Answer the above questions first, and then make an analysis and judgment.