1. The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies that can handle loan business in terms of definition and business scope. On August 1 1, 2009, the CBRC issued the Notice on the Management Provisions of Loan Companies (No.76 of 2009), which standardized the behavior of loan companies in China.
2. A loan company refers to a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of China Banking Regulatory Commission in accordance with relevant laws and regulations, which provides loan services for county farmers, agriculture and rural economic development. The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.
3. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledged loans, foreign exchange pledged loans, corporate pledged loans, gold pledged loans, syndicated loans, bank acceptance bills, bank acceptance bills discounted, commercial acceptance bills discounted, interest-bearing bills discounted by the buyer or negotiated discounts, domestic factoring with recourse, and export tax rebate account custody loans.
4. Business segmentation:
lending bank
(1) Handling all kinds of loans;
(2) Discounting bills;
(3) Handling the transfer of assets;
(4) Handling the settlement under the loan;
(5) Other asset businesses approved by China Banking Regulatory Commission.
5. The loan company must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.
Loan companies are not allowed to absorb public deposits, with high credit lines and flexible loan methods.
6. Divided by time limit
(1) Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
(2) Medium-term loans refer to loans with a loan term of 65,438+0 years (excluding) to 5 years (including).
(3) Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
7. according to the purpose
(1) Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
(2) Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.