貸款程序中英文對(duì)照范本

1、AcceptanceAllICBC'scounty-anddistrict-levelsub-brancheshandlingloanbusinessandtheircorporatebusinessdepartments(ormarketingdepartmentsequivalenttocorporatebusinessdepartments)canacceptapplicationofborrowersforfixedassetsloan.Generally,itistheclient'sbankofdepositthatwillacceptandprimarilyrev

2、iewapplicationoftheclientandsubmitpreliminaryopinionsontheacceptedloan.一、受理中國(guó)工商銀行辦理貸款業(yè)務(wù)的縣、區(qū)支行及其以上機(jī)構(gòu)的公司業(yè)務(wù)部門(mén)(或相當(dāng)于公司業(yè)務(wù)部門(mén)的市場(chǎng)營(yíng)銷(xiāo)部門(mén))均可受理借款人固定資產(chǎn)貸款申請(qǐng)?？蛻舻纳暾?qǐng)一般由客戶的開(kāi)戶行受理和初審，并由該行對(duì)受理的貸款提出初步意見(jiàn)。II.PrimaryauditingMaincontentsreviewedattheprimaryreviewstageoffixedassetsloan:subordinatebank'sapplicationreport;docu

3、mentofapprovaltotheproject;proprietor'sletterofapplicationforloan;recentstatementsofborrowers;andprojectloanconditions.二、初審固定資產(chǎn)貸款初審階段主要審查內(nèi)容是：下級(jí)行申請(qǐng)報(bào)告；項(xiàng)目批準(zhǔn)文件；業(yè)主借款申請(qǐng)；借款人近期報(bào)表情況；項(xiàng)目貸款條件。III.AppraisalTheloanprojectappraisalisgenerallyorganizedandimplementedbyICBC'screditappraisaldepartments.Theywil

4、lmakeacomprehensiveandsystematicappraisalontheloanasrequiredbyloan's'tri-nature'principle,soastoprovideanimpersonal,impartialandaccuratebasisforloandecision-makingbycombiningquantitativeanalysiswithqualitativeanalysis.Forthatwhoneedstheheadofficecorporatebusinessdepartmenttoissuealettero

5、fconditionalcommitment,thecorporatebusinessdepartmentshouldsubmittothecreditappraisaldepartmentforappraisalatthesametimewhenissuingtheletterofconditionalloancommitment;forthatwhodoesnotneedthecorporatebusinessdepartmenttoissuetheletterofconditionalcommitment,theheadofficecreditmanagementdepartmentsh

6、ouldsubmittothecreditappraisaldepartmentforappraisal.三、評(píng)估貸款項(xiàng)目的評(píng)估一般由中國(guó)工商銀行信貸評(píng)估部門(mén)組織進(jìn)行。根據(jù)貸款“三性”原則要求，運(yùn)用定量與定性相結(jié)合的方法，對(duì)貸款進(jìn)行全面和系統(tǒng)的評(píng)價(jià)，為貸款決策提供客觀、公正和準(zhǔn)確的依據(jù)。對(duì)需由總行公司業(yè)務(wù)部出具有條件承諾函的，公司業(yè)務(wù)部在出具有條件貸款承諾函的同時(shí)提交信貸評(píng)估部評(píng)估，不需要公司業(yè)務(wù)部出具有條件承諾函的，由總行信貸管理部提交信貸評(píng)估部評(píng)估。(1) Basisofloanprojectappraisal:(1)Nationalindustrialandoverallarrangem

7、entpolicies,fiscalandtaxpolicy,industrialdevelopmentprogram,designstandardsandparametersfornational&industrialfeasibilitystudy;(2) CreditpolicymanagemenprovisionsofthecentralbankandICBC,andappraisalprovisions&parametersofICBC;(3) Documentsofapprovaltoestablishmentofprojectissuedbyadministrat

8、ivegoverningdepartments,projectfeasibilitystudyreport,andgoverningdepartments'demonstrativeopinions;(4) Materialsrelatingtoproductionandoperationoftheborrower;1.貸款項(xiàng)目評(píng)估的依據(jù)(1)國(guó)家產(chǎn)業(yè)和布局政策，財(cái)政稅收政策，行業(yè)發(fā)展規(guī)劃，國(guó)家和行業(yè)的可行性研究設(shè)計(jì)標(biāo)準(zhǔn)及參數(shù)；(2)中央銀行和中國(guó)工商銀行的信貸政策管理規(guī)定，中國(guó)工商銀行的評(píng)估規(guī)定和參數(shù)；(3)政府有權(quán)部門(mén)對(duì)項(xiàng)目立項(xiàng)的批準(zhǔn)文件，項(xiàng)目可行性研究報(bào)告及有權(quán)部門(mén)的論證意見(jiàn)；(

9、4)借款人生產(chǎn)經(jīng)營(yíng)等有關(guān)資料；(5)中央和地方政府有關(guān)的城市建設(shè)規(guī)劃、環(huán)境保護(hù)、消防、安全衛(wèi)生、運(yùn)輸、勞動(dòng)保護(hù)等有關(guān)法規(guī)和規(guī)定。(5)Centralandlocalgovernments'regulationsandprovisionsrelatingtomunicipalconstructionlayout,environmentalprotection,firecontrol,security&health,transportation,laborprotectionandetc.(2) Essentialconditionsfortheappraisal(1)Itacco

10、rdswithnationalindustryandproductoverallarrangementandproceduresforexaminationandapprovalofinvestmentproject,andthefeasibilitystudyhaspasseddemonstrationofauthoritativedepartments;(3) Itaccordswithnationalindustryoverallarrangementpolicy,fiscalandtaxpolicy,industrydevelopmentprogramanddesignstandard

11、sandparametersofnational&industrialfeasibilitystudy;(4) ItaccordswithcreditmanagemenprovisionsofPBOQndICBC,andappraisalparametersofICBC;(5) Theborrower'smajorfinancialindicators,sourcesandproportionsofprojectcapitalaccordwithprovisionsofthestateandICBC;2.評(píng)估應(yīng)具備的基本條件(1)符合國(guó)家產(chǎn)業(yè)、產(chǎn)品布局和投資項(xiàng)目審批程序，可行性

12、研究經(jīng)權(quán)威部門(mén)論證；(2)符合國(guó)家產(chǎn)業(yè)布局政策、財(cái)政稅收政策、行業(yè)發(fā)展規(guī)劃以及國(guó)家和行業(yè)的可行性研究設(shè)計(jì)標(biāo)準(zhǔn)和參數(shù)；(3)符合人民銀行和中國(guó)工商銀行信貸管理規(guī)定、中國(guó)工商銀行評(píng)估參數(shù)；(4)借款人的主要財(cái)務(wù)指標(biāo)、項(xiàng)目資本金來(lái)源及比例符合國(guó)家和中國(guó)工商銀行規(guī)定；(5) Havingthefollowingbasicdata:a. Theborrower'sbusinesslicense,articlesofcorporation,loancertificate,andletterofapplicationforloan.b. Theborrower(promoter)'sorig

13、inalofrecentthreeyears'auditedreportandattachedbalancesheets,incomestatementsandcashflowstatementsandtheirnotes.c. Theborrower'scurrentliabilitieschecklistandcreditstanding.d. Officialandwrittenreplytoestablishmentofprojectissuedbygoverningdepartments,projectfeasibilitystudyreport,officialan

14、dwrittenreplytoprojectissuedbyenvironmentprotectiondepartmentsandothergoverningdepartments,anddemonstrativeconclusionsofauthoritativedepartments.e. Analyticdataonmarketsupplyanddemand,productpriceandindustrystatus.f. Documentaryevidenceforsourcesofprojectconstructionfund.g. Scheduleofprojectconstruc

15、tionandfundusingplan.h. Modeandplanofloanrepayment,andtheborrower'sexpectedcashflowdataduringtheperiodofprojectconstructionandloanrepayment.i. Loanguaranteeintentorcommitment,guarantor'sbusinesslicense,financialstatements,contingent(5)具備以下基本資料：a.借款人營(yíng)業(yè)執(zhí)照，公司章程，貸款證，借款申請(qǐng)書(shū)。b.借款人(出資人)最近三年的審計(jì)報(bào)告原件及隨

16、審計(jì)報(bào)告附送的資產(chǎn)負(fù)債表、損益表和現(xiàn)金流量表及其報(bào)表附注。c.借款人現(xiàn)有負(fù)債清單及信用狀況。d.有權(quán)部門(mén)對(duì)項(xiàng)目立項(xiàng)的批復(fù)，項(xiàng)目可研報(bào)告、環(huán)保部門(mén)及其他有權(quán)部門(mén)對(duì)項(xiàng)目的批復(fù)文件，權(quán)威部門(mén)論證結(jié)論e.市場(chǎng)供求、產(chǎn)品價(jià)格、行業(yè)狀況分析資料。f.項(xiàng)目建設(shè)資金來(lái)源證明文件。g.項(xiàng)目建設(shè)進(jìn)度表，資金使用計(jì)劃。h.貸款償還方式及計(jì)劃，借款人在項(xiàng)目建設(shè)期及貸款償還期內(nèi)現(xiàn)金流量預(yù)測(cè)材料。i.貸款擔(dān)保意向或承諾，擔(dān)保人營(yíng)業(yè)執(zhí)照、財(cái)務(wù)報(bào)表、或有負(fù)債狀況，抵押(質(zhì)押)物的情況說(shuō)明。借款人營(yíng)業(yè)執(zhí)照、公司章程、貸款證(卡)、借款申請(qǐng)書(shū)。j.同級(jí)別法律事務(wù)部門(mén)出具的法律意見(jiàn)書(shū)。liabilitystatus,andexpl

17、anationstostatusofcollateral(pledgedgoods).Theborrower'sbusinesslicense,articlesofcorporation,loancertificate(card),andletterofapplicationforloan.j.Legalletterissuedbyequivalentlegalaffairsdepartments.3.ScopeofappraisalAnyprojectsapplyingfornolessthanRMB5millionfixedassetsloanornolessthan$1milli

18、onforeignexchangeloanfromICBCshouldbeappraised;anyS&Tdevelopmentloanshouldbeappraisedinprincipleregardlessloanamounts;additionalloanamountsexceeding30%oftheformerloancommitmentshouldbereappraised.Butanyloansinaccordancewithanyofthefollowingconditionsmaynotbeappraisedaslongasaloansurveyreportispr

19、ovided.3.評(píng)估的范圍凡申請(qǐng)中國(guó)工商銀行固定資產(chǎn)貸款人民幣500萬(wàn)元(含)以上、外匯貸款100萬(wàn)美元(含)以上的項(xiàng)目，均應(yīng)進(jìn)行評(píng)估；科技開(kāi)發(fā)貸款不論貸款額大小，原則上都要進(jìn)行評(píng)估；追加貸款額超過(guò)原承諾貸款30%的應(yīng)重新進(jìn)行評(píng)估。但符合以下條件之一的貸款可以不評(píng)估，只要提供貸款調(diào)查報(bào)告即可。(1) TotalamountofprojectloanfallsbelowRMB5millionor$1millionforeignexchange;(2) Anyprojectloansfullypledgedbydeposits,convertibleT-bondsorfinancialdeben

20、tures;(3) Especiallyauthorizedbytheloanreviewcommitteehavingcorrespondingauthority.(1)項(xiàng)目貸款總額在人民幣500萬(wàn)元、外匯100萬(wàn)美元以下的；(2)以存款、可轉(zhuǎn)讓國(guó)家債券或金融券全額質(zhì)押的項(xiàng)目貸款；(3)經(jīng)具有相應(yīng)審批權(quán)限的貸款審查委員會(huì)特批的。IV.CheckupandapprovalAftercompletionoftheprojectloanappraisalreport,theappraisal&advisorydepartmentshouldconscientiouslyreviewthea

21、ppraisalreport,andsubmittothecreditmanagementdepartmentandthecreditpolicycommitteeintheformofdepartmentaldocuments;thecreditmanagementdepartmentwillcheckupandapprovetheloanaccordingtotheappraisalreportandotherdata.四、審查審批項(xiàng)目貸款評(píng)估報(bào)告完成后，評(píng)估咨詢(xún)部門(mén)要認(rèn)真審查評(píng)估報(bào)告，并以部門(mén)文件的形式提交信貸管理部門(mén)和信貸政策委員會(huì)；信貸管理部門(mén)依據(jù)評(píng)估報(bào)告等資料進(jìn)行貸款的審查審批。V

22、.JointassessmentItmeansaprojectloanneedingtofollowaspecialloanprocedureofrelevantdepartments'synchronousappraiseandreviewonthecreditbusinessthatshouldbeconsideredbythecreditapprovalcenter'screditreviewmeeting&creditpolicycommitteeandapprovedbyheadofficeleadersafterrelevantheadofficebusin

23、essdepartmentsrespectivelybringforwardandsubmitprimaryreview,appraisal,reviewandcreditopinionsaccordingtoprevailingassessmentprocedures.Inprinciple,thecreditbusinessesapplicableforjointassessmentarelimitedtothefollowingseveralcategories:1.Strongtime-effectivecreditbusinessappliedby300keyandhighquali

24、tyclients,whicharedeterminedbyhead五、聯(lián)合評(píng)審聯(lián)合評(píng)審是指對(duì)按現(xiàn)行評(píng)審程序需要總行相關(guān)業(yè)務(wù)部門(mén)分別提出初審、評(píng)估、審查和信貸意見(jiàn)，再報(bào)信貸審批中心信貸審查會(huì)議和信貸政策委員會(huì)審議、總行領(lǐng)導(dǎo)審批的信貸業(yè)務(wù)，實(shí)行有關(guān)業(yè)務(wù)部門(mén)同步評(píng)估與審查的一種特殊貸款程序的項(xiàng)目貸款。實(shí)行聯(lián)合評(píng)審的信貸業(yè)務(wù)原則上限于以下幾類(lèi)1、總行確定的300戶重點(diǎn)優(yōu)質(zhì)客戶申請(qǐng)的時(shí)效性較強(qiáng)的信貸業(yè)務(wù)；2、市場(chǎng)前景好、競(jìng)爭(zhēng)激烈的基礎(chǔ)設(shè)施項(xiàng)目；3、銀團(tuán)牽頭行已組織評(píng)估，我行以參與行身份參加的銀團(tuán)貸款項(xiàng)目；4、時(shí)效性強(qiáng)的投標(biāo)項(xiàng)目；5、總行領(lǐng)導(dǎo)認(rèn)為需要聯(lián)合評(píng)審的信貸業(yè)務(wù)。實(shí)行聯(lián)office;2. Infr

25、astructure projects with good market potential and severe competition;3. Syndicate credit projects which have been organized to appraise by syndicate leading banks and our bank has participated in as a participating bank;4. Strong time-effective bidding projects;5. Credit business on which the head

26、office leaders think合評(píng)審的信貸項(xiàng)目原則上在10億元以上。it necessary to make joint assessment. The credit projects applicable for joint assessment are RMB1 billion or above in principle.VI. Granting loan The handling bank should sign a written loan contract with the borrower before granting the loan.The loan contract should be negotiated and signed between the handling bank and the borrower. Before signing the contract, the borrower should make the following commitments:1. Use uniform loan contract wordings of ICBC;2. Provide valid and effective guarantee, and handle or urge