贷款程序中英文对照范本

Acceptance

All ICBC's county- and district-level

sub-branches handling loan business and their corporate

business departments (or marketing departments equivalent

to corporate business departments) can accept application

of borrowers for fixed assets loan. Generally, it is the

client's bank of deposit that will accept and primarily

review application of the client and submit preliminary

opinions on the accepted loan.

II. Primary auditing

Main contents reviewed at the primary

review stage of fixed assets loan: subordinate bank's

二、初审

固定资产贷款初审阶段主要审查容是：

一、受理

中国工商银行办理贷款业务的县、区支

行及其以上机构的公司业务部门（或相当于公司业务

部门的市场营销部门）均可受理借 款人固定资产贷款

申请。客户的申请一般由客户的开户行受理和初审，

< br>并由该行对受理的贷款提出初步意见。

application report; document of approval to the project;

下级行申请报告；项目批准文件 ；业主借款申请；借

proprietor's letter of application for loan; recent

statements of borrowers; and project loan conditions.

III. Appraisal

The loan project appraisal is generally

organized and implemented by ICBC's credit appraisal

departments.

They

will make

a

comprehensive

and

systematic

appraisal on the loan as required by loan's 'tri-nature'

principle, so as to provide an impersonal, impartial and

三、评估

贷款项目的评估一般由中国工商银行信

accurate basis for loan decision-making by combining

贷评估部门组织进行。根据贷款“三性”原则要求，

款人近期报表情况；项目 贷款条件。

quantitative analysis with qualitative analysis. For that

运用定量与定性相结合的方法，对贷款进行全面和系

who needs the head office corporate business department to

统的评价，

为贷款决策提供客观 、

公正和准确的依据。

issue a letter of conditional commitment, the corporate

对 需由总行公司业务部出具有条件承诺函的，公司业

business department should submit to the credit appraisal < /p>

务部在出具有条件贷款承诺函的同时提交信贷评估

departm ent for appraisal at the same time when issuing the

部评估，不需要公司业务部出具有条件承诺函的，由

l etter

of

conditional

loan

commitment;

for

that

who

does

not

总行信贷管理部提交信贷评估部评估。

need the corporate business department to issue the letter

of conditional commitment, the head office credit

management

department

should

submit

to

the

credit

appraisal

department for appraisal.

1.

Basis

of

loan

project

appraisal:

(1)

National

industrial

and overall arrangement policies, fiscal and tax policy,

industrial development program, design standards and

parameters for national & industrial feasibility study;

(2)

Credit

policy

management

provisions

of

the

central

bank

and ICBC, and appraisal provisions & parameters of ICBC;

(3)

Documents

of

approval

to

establishment

of

project

issued

by administrative governing

departments, project feasibility study report, and

governing departments' demonstrative opinions;

(4) Materials relating to production and operation of the

borrower;

1.

贷款项目评估的依据

(1)

国家产业和布局政

策，财政税 收政策，行业发展规划，国家和行业的可

行性研究设计标准及参数；

(2)

中央银行和中国工商银行的信贷政策管理规定，

中国工商银行的评估规定和参数；

(3)

政府有权部门对项目立项的批准文件，项目可行

性研究报告及有权部门的论证意见；

(4)

借款人生产经营等有关资料；

(5)

中央和地方政府有关的城市建设规划、环境保

护、消防、安全卫 生、运输、劳动保护等有关法规和

规定。

(5) Central and local governments' regulations and

provisions relating to municipal construction layout,

environmental

protection,

fire

control,

security

&

health,

transportation, labor protection and etc.

2. Essential conditions for the appraisal

(1) It accords

with national

industry and product

overall

arrangement

and

procedures for examination and approval of investment

2.

评估应具备的基本条件

project,

and

the

feasibility

study

has

passed

demonstration

(1)

符合国家产业、产品布局和投资项目审批程序，

of authoritative departments;

可行性研究经权威部门论证；

(2) It accords with national industry overall arrangement

(2)

符合国家产业布局政策、财政税收政策、行业发

policy,

fiscal

and

tax

policy,

industry

development

program

展规划以及国家和行业的可行性研究设计标准和参

and

design

standards

and

parameters

of

national

&

industrial

数；

feasibility study;

(3)

符合人民银行和中国工商银行信贷管理规定、中

(3)

It

accords

with

credit

management

provisions

of

PBOC

and

国工商银行评估参数；

ICBC, and appraisal parameters of ICBC;

(4)

借款人的主要财务指标、项目资本金来源及比例

(4)

The

borrower's

major

financial

indicators,

sources

and

符合国家和中国工商银行规定；

proportions

of

project

capital

accord

with

provisions

of

the

state and ICBC;

(5) Having the following basic data:

a. The borrower's business license, articles of

(5)

具备以下基本资料：

corporation, loan certificate, and letter of application

a.

借款人营业执照，公司章程，贷款证，借款申请

for loan.

书。

b.

The

borrower

(promoter)'s

original

of

recent

three

years'

b.

借款人（出资人）最近三年的审计报告原件及随

audited report and attached balance sheets, income

statements and cash flow statements and their notes.

审计报告附送的资产负债表、损益表和现金流量表及

其报表附注。

c.

The

borrower's

current

liabilities

checklist

and

credit

c.

借款人现有负债清单及信用状况。

standing.

d. Official and written reply to establishment of project

d.

有权部门对项目立项的批复，项目可研报告、环

issued

by

governing

departments,

project

feasibility

study

保部门及其他有权部门对项目的批复文件，权威部门

report, official and written reply to project issued by

environment protection departments and other governing

departments, and demonstrative conclusions of

authoritative departments.

论证结论

e.

市场供求、产品价格、行业状况分析资料。

f.

项目建设资金来源证明文件。

e.

Analytic

data

on

market

supply

and

demand,

product

price

g.

项目建设进度表，资金使用计划。

and industry status.

f.

Documentary

evidence

for

sources

of

project

construction

h.

贷款偿还方式及计划，借款人在项目建设期及贷

fund.

款偿还期现金流量预测材料。

g. Schedule of project construction and fund using plan.

i.

贷款担保意向或承诺，担保人营业执照、财务报

h. Mode and plan of loan repayment, and the borrower's

expected cash flow data during the period of project

construction and loan repayment.

i. Loan guarantee intent or commitment, guarantor's

business license, financial statements, contingent

< br>表、或有负债状况，抵押（质押）物的情况说明。借

款人营业执照、公司章程、贷 款证（卡）、借款申请

书。

j.

同级别法律事务部门出具的法律意见书。