Investment in fixed assets such as capital construction, renovation and real estate development.

Second, the scope of use of fixed assets loans

Fixed assets loans, also known as project loans, are mainly capital construction loans, technical transformation loans, scientific and technological development loans and commercial network loans.

First, fixed assets loans are loans issued by banks for investment in fixed assets of enterprises. Before the economic system reform, banks in China only issued loans to the working capital of enterprises, while the fixed assets of state-owned enterprises were self-raised. In order to adapt to the economic year, the People's Bank of China prepares loans to purchase key equipment with less investment and quick results for enterprises. 1982 short-term equipment loans were renamed as "technology", and China's capital construction investment began to be gradually changed from financial allocation to construction bank loans. The trial for more than a year has proved that the application of this reform measure, under the guidance of the national plan, has played the role of economic organization and economic means, combined economic responsibility, economic power and economic interests, and mobilized the enthusiasm of all parties.

Second, the loan introduction

Fixed capital must be based on the project plan and credit plan approved by the state, and the selection of asset loan projects must conform to the national industrial policy and financial policy, and tilt to the basic industries, pillar industries and emerging industries with development potential that are conducive to promoting the sustained, rapid and healthy development of the national economy and the all-round progress of various social undertakings according to the prescribed procedures; Strengthen the market concept, increase investment, and pay attention to cultivating basic and key banks; It conforms to the coordination and unity of integrity, liquidity and efficiency of commercial banks, which not only ensures the timely recovery of loan principal and interest, but also expands the bank's adjustment energy and influence on the economy, taking into account the actual bearing capacity of banks.

Third, it involves Fan.

The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation.

Three. Scope of use of fixed assets loans

Fixed assets loans, also known as project loans, generally include capital construction loans, technical transformation loans, scientific and technological development loans and commercial network loans. 1. Fixed assets loans are loans issued by banks to enterprises for investment in fixed assets. Before the reform of economic system, banks in China only issued loans to the working capital of enterprises, and the fixed assets of state-owned enterprises were allocated by the state finance, while the fixed assets of collective enterprises were raised by enterprises themselves. In order to meet the needs of economic system reform, from 1979, the People's Bank of China began to provide short-term and medium-term equipment loans for enterprises to increase key equipment with less investment and quick results. 1982 short-term equipment loans were renamed as "technical renovation loans". From August 65438 to August 0979, China's capital construction investment began to gradually change from financial allocation to construction bank loans. More than a year's trial shows that this reform measure has changed the use of construction funds from free to paid. Under the guidance of the national plan, it has played the role of economic organization and economic means, combined economic responsibility, economic power and economic interests, and mobilized the enthusiasm of all parties. Two. Loan introduction The arrangement of fixed assets loan project and loan plan must be based on the project plan and credit plan approved by the state, and then a decision can be made after evaluation in accordance with the prescribed procedures and authorization. The choice of fixed assets loan projects must conform to the national industrial policy and financial policy, and be inclined to the basic industries, pillar industries and emerging industries with great competitiveness and development potential that are conducive to promoting the sustained, rapid and healthy development of the national economy and the all-round progress of various social undertakings; Strengthen the market concept, improve the investment benefit, and pay attention to cultivating the basic and key households of the Bank in combination with the business development direction of the Bank; It meets the requirements of capital operation of commercial banks and pays attention to the coordination and unification of capital safety, liquidity and efficiency, which not only ensures the timely recovery of loan principal and interest, but also expands the adjustment energy and influence of banks on the economy, taking into account the actual bearing capacity of banks. Three. The fixed assets investment activities of enterprises involved include: capital construction, technical transformation, new product development and production and related house purchase, engineering construction, technical equipment purchase and installation.