贷款程序中英文对照范本

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2024年2月28日发(作者：)

AcceptanceAll 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 auditingMain 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内容一、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，并由该行对受理的贷款提出初步意见。

application report; document of approval to the project; 是：下级行申请报告；项目批准文件；业主借款申请；proprietor's letter of application for loan; recent

statements of borrowers; and project loan conditions.

III. AppraisalThe 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，借款人近期报表情况；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 务部在出具有条件贷款承诺函的同时提交信贷评估department 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letter 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. 款偿还期内现金流量预测材料。

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

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。

liability status, and explanations to status of collateral

(pledged goods). The borrower's business license, articles

of corporation, loan certificate (card), and letter of

application for loan.

j. Legal letter issued by equivalent legal affairs

departments.

3. Scope of appraisalAny projects applying for no less than

RMB 5 million fixed assets loan or no less than $1 million 3.评估的范围

foreign exchange loan from ICBC should be appraised; any S&T 凡申请中国工商银行固定资产贷款人民币500万development loan should be appraised in principle 元（含）以上、外汇贷款100万美元（含）以上的项regardless loan amounts; additional loan amounts exceeding 目，均应进行评估；科技开发贷款不论贷款额大小，30% of the former loan commitment should be reappraised. But 原则上都要进行评估；追加贷款额超过原承诺贷款any loans in accordance with any of the following conditions 30% 的应重新进行评估。但符合以下条件之一的贷款may not be appraised as long as a loan survey report is

provided.

(1) Total amount of project loan falls below RMB 5 million

or $1 million foreign exchange;

(2) Any project loans fully pledged by deposits, convertible

T-bonds or financial debentures;

(3) Especially authorized by the loan review committee

having corresponding authority.

IV. Checkup and approval

After completion of the project loan appraisal report, the

appraisal & advisory department should conscientiously

review the appraisal report, and submit to the credit

四、审查审批 项目贷款评估报告完成后，评估咨询部门要认真审查评估报告,并以部门文件的形式提可以不评估，只要提供贷款调查报告即可。

(1) 项目贷款总额在人民币500万元、外汇100万美元以下的；

(2) 以存款、可转让国家债券或金融券全额质押的项目贷款；

(3) 经具有相应审批权限的贷款审查委员会特批的。

management department and the credit policy committee in the 交信贷管理部门和信贷政策委员会；信贷管理部门依form of departmental documents; the credit management

department will checkup and approve the loan according to

the appraisal report and other data.

V. Joint assessmentIt means a project loan needing to follow 五、联合评审 联合评审是指对按现行评审程序需a special loan procedure of relevant departments' 要总行相关业务部门分别提出初审、评估、审查和信据评估报告等资料进行贷款的审查审批。

synchronous appraise and review on the credit business that 贷意见，再报信贷审批中心信贷审查会议和信贷政策should be considered by the credit approval center's credit 委员会审议、总行领导审批的信贷业务，实行有关业review meeting & credit policy committee and approved by 务部门同步评估与审查的一种特殊贷款程序的项目head office leaders after relevant head office business 贷款。实行联合评审的信贷业务原则上限于以下几类

departments respectively bring forward and submit primary 1、总行确定的300户重点优质客户申请的时效性较review, appraisal, review and credit opinions according to 强的信贷业务；

prevailing assessment procedures. In principle, the credit 2、市场前景好、竞争激烈的基础设施项目；

businesses applicable for joint assessment are limited to 3、银团牵头行已组织评估，我行以参与行身份参加the following several categories: 的银团贷款项目；

1. Strong time-effective credit business applied by 300 key 4、时效性强的投标项目；

and high quality clients, which are determined by head 5、总行领导认为需要联合评审的信贷业务。实行联

office;

2. Infrastructure 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 office leaders think

it necessary to make joint assessment. The credit projects

applicable for joint assessment are RMB1 billion or above

in principle.

VI. Granting loanThe 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;

合评审的信贷项目原则上在10亿元以上。

六、发放贷款 贷款发放前，经办行与借款人订立书面借款合同。借款合同由经办行与借款人协商订立。在签订合同之前，借款人应当承诺以下要求：

1.使用中国工商银行统一的借款合同文本；

2. Provide valid and effective guarantee, and handle or urge 2. 提供合法有效的担保，并根据需要办理或督促担the guarantor to handle registration or notarization

procedures as required;

3. Grant ICBC to participate in bidding for project

equipment and engineering and etc.;

保人办理登记或公证手续；

3. 准予中国工商银行参与项目设备和工程招标等工作；

4. Guarantee provided to any a third party if any before 4. 在还清中国工商银行的全部借款之前，向第三人paying off all the ICBC loans should acquire agreement of 提供担保的，应事先征得中国工商银行同意；

ICBC; 5. 借款合同履行期间，发生合并、分立、合资、股5. Combination, split, joint venturing, remolding with the 份制改造等产权变更或承包、租赁等经营方式改变stock system and other property right changes or contract, 的，应事先征得中国工商银行同意，并在落实贷款债lease and other operating mode changes occurring during the 务和提供相应担保后方可实施。

period of loan contract performance if any should acquire

agreement of ICBC in advance, and be implemented only after

having settled loan liabilities and provided relevant

guarantee.

本文标签： 贷款项目评估