(a) the borrower to apply for the establishment of credit relationship

   Customer first to the lending bank to apply for loans, should apply to the bank the establishment of credit relationship, fill out the "application for establishment of credit relationship" and provide the following documents to the bank.

(1) corporate business license (copy and copy) and annual inspection certificate;

(2) the corporate code certificate (copy or photocopy);

(3) the identification certificate of the legal representative and the personal information necessary;

(4) nearly three years audited balance sheet, income statement, statement of changes in equity and the sale of owner. The establishment of less than three years since the establishment of the customer, submit the annual report;

(5) the recent financial statements;

(6) this year and last month deposits and loans of foreign guaranty;

(7) the tax department inspection of qualified tax registration certificate and nearly two years of tax documents copy;

(8) the contract or articles of Association (original and photocopy);

(9) the members of the board of directors and the main responsible person, the person in charge of Finance lists and specimen signature etc.;

(10) if a limited liability company, Limited by Share Ltd, joint venture companies or contract customers, documents or certification board of directors or the consent of the employer to apply for loan business decision, file or having the same legal effect;

(11) such as loan applicants for non independent legal person, shall be submitted at the same time the unit's borrowing authority;

(12) such as loan applicant to apply for loans for the first time in joint ventures, a certificate of approval shall be submitted to the foreign economic and Trade Committee with management, contract, articles of association and the relevant approval;

(13) the resolution of the shareholders general assembly on the distribution of profits;

(14) cash flow forecast and operation plan;

(15) loans by the authorized person for the customer, need to provide the power of attorney of the legal representative (original);

(16) the other necessary information (such as the customs documents issued by departments etc.).

(17) for medium and long-term loan project loans, but also has the approval documents related to various kinds of qualified, effective or approval documents, and source of funds, is expected to use the expected balance sheet, profit and loss situation, the project construction schedule and operation plan.

(18) the bank account permits, signature card and credit card (card).

(two) the Bank Acceptance Review

1, the bank received the client for the establishment of credit relationship between "application" and related information, should be promptly arrange double to verify customer, control the bank lending conditions, determining whether it with the establishment of credit relationship conditions. The handling bank preliminary approval, reported to the branch level for approval.

2, according to the credit rating, credit rating to an established credit relationship with customers. The rating results to inform customers.

3, according to the examination and approval system, the highest total integrated credit to customer estimates. Results without notice to customer, internal control.

   At the completion of the program, the relationship between customer and bank credit has been established. Meet the credit rating of AA level in the customer, a line of credit conditions can submit loan applications to banks according to need.

(three) customers to apply for loans

A written report of 1, customers can apply for loans.

   The main reason to apply for loans, including loans, loan, loan repayment sources, loan, loan repayment plan implementation and the duration of the loan. In the application, shall make a brief introduction to customer production status, financial status of the near future, and compared with the.

2, the customer purchase a copy of the contract or to reflect the fund demand related documents.

Other data of 3, lenders need.

(four) the main content review loan bank

1, the customer production conforms to the national and local economic policy, industry policy, industry prospects, product market competition ability and the.

2, customer borrowing is normal, compliance, legal. Bank acceptance application must have real commodity trading contract.

3, the borrower's repayment ability. Main financial indicators of changes in customer and its authenticity. Foreign currency loans to borrowers comprehensive analysis and also the capacity to earn foreign exchange through exchange capacity.

4, provide collateral, collateral or guarantee situation.

5, sales income return of.

(five) the examination and granting loans

   At the completion of bank internal investigation, examination and approval procedures, if agreed to loan, the bank shall notify the borrower loan formalities, signed loan contracts, guarantee loans and guarantee signed contract of guarantee, mortgage, pledge loans must be with the mortgagor, the pledgor mortgage, pledge contract, and mortgage, pledge registration according to law.