Author: financial, banking practice training center senior training specialistTo the teacher

Without permission shall not be reproduced, otherwise it shall be investigated for legal responsibility

(A)The borrower to apply for credit loans in bank loans and basic conditions, it shall also meet the following conditions:

1Credit rating in the base periodAA-Level(Containing)Above(Unrated by referring to the relevant credit rating for the customer);

2At the end of the year. On the asset liability ratio is lower than the industry average(Containing);

3Nearly three years in a row to maintain profitability;

4. net operating cash flow last year is positive;

5No bad credit record;

6Loans to the other conditions require.

The operation period of less than three years, is not suitable for the3The provisions of article, but should be in line with national industrial policy and the trade credit policies, good prospects for development, and not the occurrence of business losses the actual operating period.

The borrower is a public institution legal person, not suitable for the2,3,4The provisions of article, but should have reliable debt financing, and the larger the integrated contribution.

The borrower based industrial project legal person, is not affected by the provisions of this section of the above conditions, the level of(Directly under)Branch or head office decided in formal examination and approval can be issued credit loan, but must be strictly controlled.

The bank approved the borrower credit rating for the base periodAAALevel, not by the provisions of this section, the above conditions.

(Two)The borrower can not simultaneously satisfy the prescribed conditions, but can use the loan guarantee measures, can the credit loan, but must be strict management:

1To account as a loan guarantee measures;

2To charge income mobile communications, cable television, water supply, power supply, gas supply, heat supply, travel tickets and other business as a loan guarantee measures;

3In the local government(With the finance department)Issued as loans repayment commitment of safeguard measures;

4The head office should be considered. Other loans into credit management scope.

(Three)Loans that the credit mode is not enough to avoid and disperse loan risk, to use as far as possible or combined with legal, valid, and reliable way to guarantee.

The same loan is the credit mode set guarantees, loans and the borrower agreed to guarantee the loan amount in the loan contract, in accordance with the "measures of security management of a bank loan"(Work Silver[2003]Error number)The relevant provisions of the management.