You should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:
1. Proof of loan use: invoices, contracts and other relevant supporting materials for purchasing goods; In view of the special circumstances of providing a description of the purpose of the loan, it is necessary to ensure the legality of the purpose of the loan, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.
2. According to the Interim Measures for the Administration of Personal Loans issued by CBRC, if entrusted payment is adopted, valid counterparty account information shall be provided. To meet the conditions of independent payment, you need to submit personal account information.
3. If the time interval between the use of funds and the amount of funds is more than six months, the latest income certificate and supporting materials shall be submitted. Subject to the specific requirements of Bank of China.
4. Other materials required by China Bank.
The above contents are for your reference. Please refer to the actual business regulations.
Interim Measures for the Administration of Special Loans of the People's Bank of China
Chapter I General Provisions Article 1 According to the Trial Measures for the Management of Credit Funds of the People's Bank of China, in order to meet the special needs of regional economic development, the People's Bank of China arranged funds to start special loans within the national comprehensive credit plan, which were earmarked for special purposes. In order to strengthen the management of special loans, these measures are formulated. Chapter II Types and Uses of Loans Article 2 Economic loans for developing old, less developed, border and poor areas are mainly used for key construction projects in "old, less developed, border and poor" counties identified by the State Council, so as to accelerate local economic development and enhance economic strength. Article 3 Local economic development loans. According to the overall plan of local economic development, it is mainly used for key construction projects to revitalize the local economy and give play to its advantages. Article 4 Use the foreign exchange quota to purchase RMB loans. According to the approval of the State Planning Commission, the state balances the special use of foreign exchange, and coastal port cities and localities expand the right to use foreign exchange. Within the RMB loan amount issued by the People's Bank of China, it is mainly used for the technical transformation of designated projects or key enterprises and key projects. Fourteenth coastal port cities and special economic zones development loans. According to the development plan approved by the State Council, it is mainly used for development projects such as the introduction and development of resources and new technologies in economic development zones. Chapter III Object and Conditions of Loan Article 6 Any economic entity that has been approved and registered by the administrative department for industry and commerce, is qualified as a legal person, has independent accounting and has the ability to repay loans, and can fill in the application form for special loans (omitted) and apply for special loans from banks as long as it meets the following conditions:
1. The project proposal approved by the competent examination and approval authority must include the technical and economic feasibility study report (omitted), the design task book and the preliminary design budget approval, and be included in the national or sub-regional fixed assets investment plan of that year.
2. Have the starting conditions. The land requisition procedures for construction land are complete, the construction strength, materials and equipment are implemented, and the environmental protection measures are reliable.
3. After the loan project is put into production, the raw materials are complete, the energy supply is guaranteed, and the products are marketable, which meets the requirements of less money, quick effect, large income, high exchange rate and good social and economic benefits.
4. The self-raised funds and minimum working capital required after production have been implemented according to the proportion stipulated by the state.
5. The source of funds for repayment of loan principal and interest must be implemented. Where pre-tax profits, tax relief or other income payable to the relevant departments are used to repay the principal and interest of loans, it must be approved by the tax authorities or relevant departments.
6. A legal person with corresponding funds as loan collateral or corresponding economic capacity guarantees the loan. Chapter IV Term of Loan and Interest Rate Article 7 The term of special loan is 65,438+0 to 3 years, from the date of loan to the repayment of principal and interest, and a few are 4 to 5 years. The longest single project with long construction period and good social and economic benefits shall not exceed 7 years. Article 8 The interest rate of special loans shall be subject to the interest rate stipulated by the state. Old, less, border and poor areas develop economic loans and implement preferential interest rates; Fourteen, coastal port cities and special economic zones development loans, local economic development loans, according to the interest rate of fixed assets loans; If RMB loans are purchased with foreign exchange quota for technical transformation, they will bear interest at the fixed asset loan rate, and if they are used for working capital, they will bear interest at the working capital loan rate. Article 9 Calculation method of interest. Capital construction loans shall bear annual interest from the date of loan. Technical transformation loans should be settled and collected quarterly. If there is no source of income during the construction of new projects, the interest may be suspended upon approval. However, the uncollected interest receivable shall be calculated at compound interest.
In case of interest rate adjustment, interest shall be collected by stages. Chapter V Review, Issuance and Recovery of Loans Article 10 People's banks in all localities must give prominence to key points in the special loan plan issued by the superior bank and carefully examine and approve loans in accordance with credit policies and principles. Eleventh loan projects can generally be approved in three ways:
The first one is determined by the People's Bank of China. The first and second branches of the People's Bank of China shall select and designate relevant branches of the People's Bank of China for review and evaluation according to the capital construction or technical transformation projects reported by relevant departments and cities. In accordance with the examination and approval authority stipulated by the branches of provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning and special economic zones (hereinafter referred to as branches of provinces, autonomous regions and municipalities directly under the Central Government, the same below), after the approval of the People's Bank of China, it may entrust specialized banks (or other financial institutions, the same below) to issue shares.
The second type entrusts specialized banks to audit fixed projects. According to the basic construction or technical transformation projects reported by the relevant departments and cities, after screening by the first and second branches of the People's Bank of China, the relevant professional banks are entrusted to conduct review and evaluation. After obtaining the consent of the People's Bank of China, the entrusted banks are responsible for determining the projects.
The third kind of people's banks and specialized banks are subject to the same examination and determination. For a few large-scale capital construction or technical transformation joint loan projects, the People's Bank of China and specialized banks will jointly review and evaluate them, and examine and approve them according to the examination and approval authority.
Loan approval and loan issuance methods are decided by the first and second branches of the People's Bank of China. Twelfth after the approval of the loan project, the entrusted bank or the People's Bank of China shall sign a loan contract with the borrower according to the official approval and relevant documents. A copy of the contract was sent to the local people's bank. Where the loan project is approved in the first and second ways mentioned above, the entrusting bank and the entrusted bank shall sign an entrustment agreement (omitted).
Interim Measures of the People's Bank of China for the Administration of Loans to Financial Institutions
Chapter I General Provisions. Application for loan: in duplicate. Fill in when the loan applicant applies for a loan. One copy shall be kept by the borrower, and the other copy shall be submitted to the finance department of the loan bank for review and signature. Two. Loan receipt: in quadruplicate. The treasury department of the bank agrees to sign a contract with the borrower and abide by it when issuing loans.
The first copy: retained by the finance department of the loan bank;
The second copy: (loan notice) kept by the accounting department of the loan bank for future reference;
The third part: the accounting basis of the accounting department of the loan bank;
Fourth: the borrower keeps it; Three. Loan voucher: The accounting department of the People's Bank of China will use it after receiving the loan notice from the Finance Department. Five copies.
First copy: debit summons;
The second copy: credit summons;
Third: collection notice. The bank accounting department pays the borrower after handling the loan.
Fourth: receipt. The bank accounting department pays the loan to the fund department.
Fifth contact: card account. Detailed records of continuous recovery and settlement of loans. 4. Loan recovery voucher: used by the bank accounting department when handling loan recovery. In triplicate.
First copy: credit summons;
The second copy: receipt. The bank accounting department takes back the loan from the borrower and issues a loan receipt.
Triple: copy of receipt. After the loan is recovered, it will be sent to the finance department. V. Withdrawal of loan coupon: demand coupon is adopted.
China people's bank loan application.
Branch (branch) of China People's Bank: No.
Apply for a loan from your bank according to the following conditions, and abide by the provisions of the Interim Measures for the Administration of Loans to Financial Institutions of the People's Bank of China.
┌─┬────┬────┬────┬────────────────────┐
Type and amount of loan
│├────┼────┴────┴────────────────────┤
│ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ │ 94
│├────┼──────────────────────────────┤
The purpose of the loan
│├────┴──────────────────────────────┤
│ Please │ Cause analysis: │
│││
│││
│││││││││││││││││││││││││││││947
Book (official seal)
││ 19 │ │ │ │ │
├─┼───────────────┬───────────────────┤
Approval opinions of the President and the Planning and Finance Department.
│├├├├┤┼┼├├├├┤┤┼┼┼├├├├┤┤┤┼┼┼┼┤950
Batch │ │ │ │ │
│ column │ president (chapter) │ person in charge (chapter) │ manager (chapter)
││││
││ 19 │ 19 │
││││
└─┴───────────────┴───────────────────┘
Borrowing word no.
China People's Bank Loan Receipt (1No.)
1. Borrower: 2. Creditor:
Financial business license number:
Three. Interest rate of loan amount (in words)
Four. Loan term: from 19 to 19.
Verb (abbreviation of verb) loan purpose: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The repayment time of the intransitive verb (one-time repayment or installment repayment): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
7. The borrower is willing to abide by the Interim Measures for Loan Management of Financial Institutions of the People's Bank of China and the Interim Measures for Fund Management of Financial Trust and Investment Institutions of the People's Bank of China.
8. Loan supervision: The lender has the right to know, supervise and inspect the borrower's loan usage, and the borrower should actively cooperate and provide convenience. If the borrower violates the regulations of the People's Bank of China, the lender has the right to recover the loan or default interest in advance.
The above terms and conditions shall come into effect after being sealed and signed by both parties, and shall be automatically dissolved after the loan is fully paid off, and both parties shall abide by the above terms and conditions within the validity period.
Borrower (official seal) Lender (official seal)
Representative of the borrower and representative of the lender
Date, year and month
China People's Bank Loan Receipt (Second Loan Notice)
1. Borrower: 2. creditor
Financial business license number:
Three. Interest rate of loan amount (in words):
Four. Loan term: from 19 to 19.
Verb (abbreviation of verb) loan purpose: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The repayment time of the intransitive verb (one-time repayment or installment repayment): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Seven.