Bank credit
瑞金信息港-瑞金最大的地方门户网站
credit
Bank
2008-6-27 12:43:36
6
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1
Bank credit that banks will raise their own funds temporarily loaned to the use of enterprises, within the agreed time to recover and charge interest on certain economic activities.
Category: according to currency into RMB loans and foreign exchange loans.
The use of fixed assets into working capital loans and loans. The former includes working capital loans, interim loans and bills discounted, the latter including technical issue loans, infrastructure loans, technology development loans.
The period is divided into short-term loans and long-term loans. Short-term loans within a period of one year, the medium-term loans over a period of one year (excluding 1), the following five years (including five years), long-term loans for more than five years (excluding 5).
By economic sector is divided into industrial loans, commercial loans, agricultural loans, foreign trade loans. The loans into credit loans, secured loans and bills discounted, secured loan is divided into guaranteed loans, mortgages and loans pledged three kinds. The loans into the wholesale and retail loans loans loans use nature of the foreign trade loans, real estate loans, entrusted loans……
Target:
The industrial and commercial administrative organs or approval of the competent authority of the registered corporate enterprises, other economic organizations and individual industrial and commercial households, or with the People's Republic of China nationality of the full civil capacity of natural persons.
In addition to natural and not approved by the business sector registered the cause of legal persons, a borrower in the industrial and commercial administration departments for the inspection procedures of the business license.
A local issue in the People's Bank of the validity of the "loans card."
Borrowers in the bank to open basic accounts or general deposit accounts, and the proportion of bank loans to maintain a certain amount of deposits and settlement business; I Bank loans accounted for greater proportion of their total borrowings, should I open a basic line Clearing account. Regular borrowers with debt-servicing capacity, the loans have been paid in full settlement of all principal and interest due, no liquidity, the bank has been authorized to make the repayment plan. For long-term loans, new projects and corporate rights and interests of owners of the project required a total investment of no less than the state ratio. Borrowers truthfully, I will provide the information requested, in the past business dealings, I will accept their credit lines and the use of funds related to production and management, financial activities of the review and supervision, to the implementation of the loan conditions, and borrowing Contractual purposes and progress of the use of loans. The borrower's credit and financial situation and management in line with requirements of banks.
Basic procedures: enterprise applications submitted to the relevant documentation. Bank loans to investigate and complete the investigation report. Bank loans to conduct an internal review, examination and approval. Signed loan contracts and processing mortgages, notarization procedure. Use, and about the payment of interest. HPLS after lending banks to enterprises use of the situation and circumstances, such as mortgage inspection and supervision. After the repayment or extension of the repayment.
Category: according to currency into RMB loans and foreign exchange loans.
The use of fixed assets into working capital loans and loans. The former includes working capital loans, interim loans and bills discounted, the latter including technical issue loans, infrastructure loans, technology development loans.
The period is divided into short-term loans and long-term loans. Short-term loans within a period of one year, the medium-term loans over a period of one year (excluding 1), the following five years (including five years), long-term loans for more than five years (excluding 5).
By economic sector is divided into industrial loans, commercial loans, agricultural loans, foreign trade loans. The loans into credit loans, secured loans and bills discounted, secured loan is divided into guaranteed loans, mortgages and loans pledged three kinds. The loans into the wholesale and retail loans loans loans use nature of the foreign trade loans, real estate loans, entrusted loans……
Target:
The industrial and commercial administrative organs or approval of the competent authority of the registered corporate enterprises, other economic organizations and individual industrial and commercial households, or with the People's Republic of China nationality of the full civil capacity of natural persons.
In addition to natural and not approved by the business sector registered the cause of legal persons, a borrower in the industrial and commercial administration departments for the inspection procedures of the business license.
A local issue in the People's Bank of the validity of the "loans card."
Borrowers in the bank to open basic accounts or general deposit accounts, and the proportion of bank loans to maintain a certain amount of deposits and settlement business; I Bank loans accounted for greater proportion of their total borrowings, should I open a basic line Clearing account. Regular borrowers with debt-servicing capacity, the loans have been paid in full settlement of all principal and interest due, no liquidity, the bank has been authorized to make the repayment plan. For long-term loans, new projects and corporate rights and interests of owners of the project required a total investment of no less than the state ratio. Borrowers truthfully, I will provide the information requested, in the past business dealings, I will accept their credit lines and the use of funds related to production and management, financial activities of the review and supervision, to the implementation of the loan conditions, and borrowing Contractual purposes and progress of the use of loans. The borrower's credit and financial situation and management in line with requirements of banks.
Basic procedures: enterprise applications submitted to the relevant documentation. Bank loans to investigate and complete the investigation report. Bank loans to conduct an internal review, examination and approval. Signed loan contracts and processing mortgages, notarization procedure. Use, and about the payment of interest. HPLS after lending banks to enterprises use of the situation and circumstances, such as mortgage inspection and supervision. After the repayment or extension of the repayment.
