Bringing you to understand the basic information of fixed asset loans
Introduction: when we need some money urgently in a short period of time, we can take a loan from the bank, and the fixed asset loans can help the enterprises to solve the financial problems in a short period of time. Today I am here to introduce you to some of the contents of the fixed asset loans.
A basic introduction to fixed asset loans
Fixed asset loans are state-approved projects that can be evaluated according to the fixed assets of the enterprise to analyze how much the enterprise can lend, fixed asset loans are conducive to promoting the development of China's national economy, enhance the people's concept of the market, so that it can also greatly improve the return on investment, and be able to expand the bank's regulation of the economy. The evaluation of the fixed assets of the enterprise when the fixed assets of the investment activities of the enterprise's capital construction, the transformation of enterprise technology, the development and production of new products and other aspects of the purchase.
The loans taken out are in two types of currencies, RMB and. The maximum duration of the loan is five years. The interest rate of the loan is calculated according to the interest rate of the People's Bank of China for medium and long term loans, which remains unchanged for one year and can be adjusted appropriately after one year.
Fixed asset loans have the following characteristics: 1, the term of the loan is longer than the term of the short-term loan (one year); 2, fixed asset loans have a double plan, it is subject to the constraints of the credit plan; 3, fixed asset loans have the management of the continuity of the process of supervision, funds can only be used for the production or the circulation process, not only in the construction process is subject to the management of the construction process, after completion of the project, the Repayment period is also subject to management.
Two types of fixed asset loans are introduced:
(a) capital construction: capital construction loans, it is mainly for the development of the economy and the formation of a new category of projects, this type of loan is mainly for the expansion of the enterprise, add plant, increase the workshop equipment and personnel, and therefore is also called capital construction loans.
(ii) technological transformation: technological transformation loans are loans used for investment in fixed assets in enterprises represented by legal persons.
(iii) technological research and development: technological development loans, it is used in science and technology, medical, agricultural and other new products in the process of research and development, can be added to the fixed assets of the enterprise, when the enterprise funds are insufficient, more often use this type of loan.
(iv) commercial outlets: commercial outlets facilities loan is for the catering industry, tourism, chemical industry and other outlets in the facilities needed to fund the loan.
Three, fixed asset loan application procedures
1, the borrower to the fixed asset loan application and the bank required information to be submitted, which contains a business license, business financial statements for the last few years, the loan used to repay the plan description and so on.
2, the bank will assess the business, understand the profitability of the business, check the items to be mortgaged and guarantors.
3. A contract is signed and repayment is to be made within the period.
After the introduction, is not a comprehensive understanding of fixed asset loans?
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Fixed Asset Loan Scope of Purpose
Fixed Asset Loan, also known as the project loan, in accordance with the purpose of the division of fixed asset loans generally include capital construction loans, technological transformation loans, scientific and technological development of the loan and commercial outlets loan.
I. Fixed asset loans are loans issued by banks for investment in fixed assets of enterprises. Before the reform of the economic system, China's banks only on the working capital of enterprises to issue loans, the fixed assets of state-owned enterprises by the state financial allocation, the fixed assets of collective enterprises are self-financing. In order to meet the needs of the economic system reform, from 1979, the People's Bank of China began to issue short-term equipment loans for enterprises to add a small investment, quick results of the key equipment. 1982, short-term equipment loans were renamed "technological transformation loans. Financial allocations into construction bank loans. More than a year's pilot proved that the reform measures to make construction funds from the non-reimbursable use of reimbursable use, under the guidance of the national plan, play the role of economic organizations and economic instruments, the economic responsibility, economic power and economic interests combined to mobilize the enthusiasm of all parties.
Two, loan introduction
The arrangement of fixed asset loan projects and loan plans must be based on the project plans and credit plans approved by the state, and in accordance with the stipulated procedures and authorizations, the first assessment, and then decision-making. The selection of fixed asset loan projects must be in line with the national industrial policy and financial policy, tilting towards basic industries, pillar industries and emerging industries with greater competitiveness and development potential that are conducive to the promotion of sustained, rapid and healthy development of the national economy and the overall progress of social undertakings; enhancing the market concept, improving the efficiency of investment, and combining with the direction of the bank's business development, paying attention to cultivating the bank's basic and key households; conforming to the commercial bank's capital operation. In line with the requirements of commercial banks' capital operation, focusing on the coordination and unity of capital security, liquidity and efficiency, not only guaranteeing the timely recovery of loan principal and interest, expanding the bank's regulating energy and influence on the economy, but also taking into account the bank's actual ability to bear the burden.
Third, the scope of
Enterprise fixed asset investment activities include: capital construction, technological transformation, development and production of new products and other activities and the related purchase of housing, construction, purchase and installation of technical equipment.
What is a fixed asset loan?
Fixed asset loans refer to the loans issued by enterprises, institutions and legal persons or other organizations that can be the borrowers according to the state regulations, which are used for the investment of fixed assets of the borrowers. Fixed asset loans include capital construction loans and renewal and reconstruction loans.
What is meant by fixed asset loan
Question 1: What is a fixed asset loan? What is a fixed asset loan? Fixed asset loans is the bank to solve the enterprise fixed asset investment activities of the financial needs of the loans issued, mainly for the construction of fixed asset projects, acquisition, renovation and its corresponding supporting facilities construction of the medium and long term this loan.
I. Scope
The fixed asset investment activities of enterprises include: capital construction, technological transformation, development and production of new products and other activities and the related purchase of housing, engineering construction, purchase and installation of technical equipment.
Second, the characteristics of the loan
Fixed asset loans compared with general short-term loans, there are several features.
1, long loan period
Fixed asset reproduction activities, compared with the general product production activities, has a large body, the production cycle is characterized by long. As a result, the loan period of fixed asset loans is also longer than the general short-term loans.
2, dual-planning
Fixed asset loan projects must not only be included in the national fixed asset investment plan, and have the conditions for the construction of the project, and must be subject to the constraints of the credit plan to determine the size of the fixed asset loan.
3, management continuity
General supervision and management of working capital loans, limited to the production or circulation process, and fixed asset loans not only the construction process to be managed, and the project completion and commissioning of the project still need to be managed until all the principal and interest are paid off.
Question 2: What is a fixed asset loan Fixed asset loans are loans issued by banks to enterprises for the acquisition of fixed assets, technological transformation, technology introduction and technological development and other different capital needs as the object.
Banks issued fixed asset loans, is through the form of credit to provide fixed assets in the process of renewal and transformation of capital needs, give full play to the bank to promote economic development and high-tech development and use of leverage, to promote the development of the national economy and accelerate the modernization of the construction has a significant role.
Simply put, the fixed asset loan is a loan issued by the bank to solve the financial needs of the enterprise's fixed asset investment activities, which is mainly used for the construction of the fixed asset project, the purchase, the reconstruction and the construction of the corresponding supporting facilities.
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Question 3: What are "fixed asset loans and working capital loans"? According to the different uses of loan funds, loans can be divided into fixed asset loans and working capital loans. Fixed asset loans is the bank to solve the enterprise fixed asset investment activities of the financial needs of the loans issued, mainly for the construction of fixed asset projects, acquisition, transformation and its corresponding facilities construction of the medium and long term loan. Enterprise fixed asset investment activities include: capital construction, technological transformation, development and production of new products and other activities and related housing purchase, engineering construction, purchase and installation of technical equipment. Liquidity loan is to meet the short-term capital needs of people in the process of production and operation, to ensure that the production and operation of normal activities and the issuance of loans. According to the loan period, it can be divided into short-term working capital loan within one year and medium-term working capital loan from one year to three years. As an efficient and practical means of financing, working capital loans are characterized by short loan terms, simple procedures, strong turnover and low financing costs.
Question 4: What is a fixed asset loan Your understanding is correct. In addition, generally speaking, project financing is a complete project, that is, it can form a complete production capacity and generate revenue, so the object of project financing is generally a new independent legal person or accounting unit. Fixed asset loans, on the other hand, encompass a wider range, which can be an infrastructure loan or a technical reform loan, and even include the remodeling or updating of a certain part of the production line, new production capacity, and so on. Therefore, fixed asset loans can examine the overall repayment ability of the borrower, while project financing generally pays attention to the repayment ability of the project itself, but of course does not exclude other mortgages, guarantees and other secondary sources of repayment. Generally speaking, the loan amount of project financing is larger. For example, highways, airports, power grids, power stations, nuclear power plants, reservoirs, etc. are usually financed by project financing, while fixed asset loans are generally used for single equipment purchases and the like. Fixed asset loans are a big concept of which project finance is a part.
Question 5: the basic introduction of fixed asset loans 1, loan currency: there are two kinds of RMB and 2, loan term: loan term is mainly based on the borrower's production and operation cycle, project construction needs, repayment ability and the bank's credit fund balance ability, etc., determined by the borrower and lender negotiation. Generally not more than 5 years. 3, loan interest rate: according to the People's Bank of China issued by the medium and long-term loan interest rates, interest rates according to the loan contract to implement a certain year, that is, from the effective date of the contract, within one year, according to the agreed interest rate of the loan contract, in the event of interest rate adjustments remain unchanged; after one year according to the prevailing interest rate adjustments to the implementation of the new interest rate. Fixed asset loans and general short-term loans, compared with the following characteristics. 1. long loan period of fixed asset reproduction activities, compared with the general product production activities, with a large body, the production cycle is long. As a result, the loan period of fixed asset loans is also longer than the general short-term loans. 2. dual-plan fixed asset loan projects must not only be included in the national fixed asset investment plan, and have the conditions for the construction of the project, but also must be subject to the constraints of the credit plan to determine the size of the loan of fixed assets. 3. management of the continuity of the general supervision and management of liquidity loans is limited to the process of production or circulation, and fixed asset loans not only the construction process to be managed, but also the construction process to be managed, and the fixed asset loans. Loans are not only the construction process to manage, and the project is completed and put into operation still need to manage, until the repayment of all the principal and interest.
Question 6: What are the fixed assets included in the fixed asset loan Fixed assets are tangible assets that have the following characteristics:
Held for production of goods and services for rent or management
Useful life of more than one fiscal year
Fixed assets are recognized only if they meet the following conditions:
The economic benefits related to the fixed assets are likely to be substantial. It is probable that the economic benefits associated with the fixed asset will flow to the enterprise
The cost of the fixed asset can be measured reliably
If the components of a fixed asset have different useful lives or provide economic benefits to the enterprise in different ways, and different depreciation rates or depreciation methods are applicable, the components should be recognized separately as a single fixed asset.
Question 7: What is meant by project loan? Project financing, which can also be called project loan, is essentially a non-recourse financing loan, and one of its important features is that the lender usually does not consider the present creditworthiness of the project sponsor as an important factor in deciding whether or not to grant the loan. If the project itself has potential, even if the project sponsor's present assets are small and its earnings are not satisfactory, the project financing can be completely successful; on the contrary, if the project itself has poor development prospects. On the contrary, if the project itself has poor development prospects, project financing may not be successful even if the project sponsor has a larger scale and more assets now. The core of project financing is that the funds for returning the loan come from the project itself, not from other sources, which is the biggest difference between project financing and general loans.
Question 8: Introduction to the regulations on fixed asset loans Interim Measures for the Administration of Fixed Asset Loans China Banking Regulatory Commission Order No. 2 of 2009 The Interim Measures for the Administration of Fixed Asset Loans have been adopted by the 72nd Chairman's Meeting of the China Banking Regulatory Commission and are hereby promulgated. These Measures shall come into effect three months after the date of publication. Chairman July 23, 2009 Interim Measures for the Administration of Fixed Asset Loans Chapter 1 General Provisions Article 1 In order to regulate the operating behavior of banking financial institutions in the business of fixed asset loans, strengthen the prudent operation and management of fixed asset loans, and promote the healthy development of the business of fixed asset loans, and based on the Banking Supervision and Administration Law of the People's Republic of China and the Law of the People's Republic of China and the Law of the People's Republic of China on Commercial Banks, etc., these Measures have been formulate these measures. Article 2 Banking financial institutions in the People's Republic of China approved by the Banking Supervision and Administration Agency of the State Council (hereinafter referred to as the lenders) shall comply with these Measures in the operation of fixed asset loan business. Article 3 the fixed asset loans referred to in these measures, refers to the lender to enterprises (affairs) legal person or the state regulations can be issued as a borrower of other organizations, for the borrower's fixed asset investment in this loan. Article 4 Lenders shall follow the principles of legal compliance, prudent operation, equality and voluntariness, fairness and good faith in carrying out fixed asset loan business. Article 5 The lender shall improve the internal control mechanism, implement the whole process management of the loan, fully understand the information of the customers and projects, establish the risk management system of the fixed asset loan and the effective post check and balance mechanism, implement the responsibility of each link of the loan management to the specific departments and posts, and establish the assessment and accountability mechanism of each post. Article 6 The lender shall include fixed asset loans in the unified credit limit management for the borrower and the borrower's group customers, and establish a risk limit management system for fixed asset loans according to the dimensions of regions, industries and loan varieties. Article 7 The lender shall agree with the borrower on a clear and legal use of the loan, and check and supervise the use of the loan in accordance with the agreement to prevent the loan from being misappropriated. Article 8 The banking supervisory and regulatory authorities shall supervise and manage the lender's fixed asset loan business in accordance with these Measures. Chapter II Acceptance and Investigation Article 9 The fixed asset loan application accepted by the lender shall have the following conditions: (1) the borrower shall be approved and registered by the administration for industry and commerce or the competent authority in accordance with the law; (2) the borrower shall have a good credit status without major adverse records; (3) if the borrower is a legal person of a newly established project, the controlling shareholders of the borrower shall have a good credit status without major adverse records; (4) the state shall have a good credit status without major adverse records of the project to be invested; (5) the state shall have a good credit status without major adverse records for the proposed investment project. If there are requirements on the qualification of investment entities and business qualification, the requirements are met; (e) the purpose of borrowing and the source of repayment are clear and legal; (f) the project is in line with the state's industrial, land, environmental protection and other relevant policies, and has fulfilled the legal management procedures for fixed asset investment projects in accordance with the regulations; (g) it is in line with the state's regulations on the capital system of the investment project; and (h) the other conditions required by the lender. Article 10 The lender shall make requirements on the manner and specific content of the application materials provided by the borrower, and require the borrower to abide by the principle of honesty and trustworthiness, and undertake that the materials provided are true, complete and effective. Article 11 The lender shall implement specific responsible departments and positions to perform due diligence and form a written report. The main contents of the due diligence include: (a) the borrower and the project sponsor and other relevant relations; (b) the situation of the loan project; (c) the loan guarantee; (d) the need to investigate the other contents. The due diligence personnel shall ensure the authenticity, completeness and validity of the contents of the due diligence report. Chapter III Risk Evaluation and Approval Article 12 The lender shall implement specific responsible departments and positions to conduct comprehensive risk evaluation of fixed asset loans and form a risk evaluation report. Article 13 The lender shall establish a perfect risk evaluation system for fixed asset loans, set up quantitative or qualitative indicators and standards, and carry out loan risk evaluation from the perspectives of the borrower, project sponsor, project compliance, project technical and financial feasibility, project product market, project financing scheme, reliability of repayment source, guarantee, insurance and other perspectives. Article 14 The lender shall regulate the approval process of fixed asset loans in accordance with the principle of separation of audit and loan and hierarchical approval, clarify the authority of loan approval, and ensure that the approving officer approves the loan independently in accordance with the authorization. Chapter IV Contract Signing Article 15 Lenders shall sign written loan contracts, guarantee contracts and other relevant contracts with borrowers and other relevant parties. The contract shall stipulate in detail the rights, obligations and default liabilities of all parties, and avoid non-agreement, unclear agreement or invalid agreement on important matters. Article XVI lender shall agree with the borrower in the contract specific loan amount, term, interest rate, purpose, payment, loan repayment guarantee and risk disposal ......
Question 9: What is the difference between a fixed asset loan and a working capital loan Item Fixed Asset Loan Working Capital Loan Purpose To solve the financial needs of the enterprise's fixed asset investment activities To meet the enterprise's short-term and medium-term financial needs Term 1-5 years medium-term loan or long-term loan of more than 5 years Short-term loan of less than one year or medium-term loan of 1-3 years Audit Mode Lines of Application Lines of Application Lines of Audit Lines of Application Application pen-by-pen review or within the bank's specified time and limit as borrowed, used and repaid liquidity loan amount Repayment source project completion and acceptance of the commissioning of the cash or the enterprise's own funds mainly for the enterprise's operating income Risks of external influences, uncertainty and instability factors, the risk of a greater concentration of the risk of the borrower, guarantor, or the risk of the credit (pledge) earnings long-term, stable earnings short-medium-term earnings
Question 10: whether real estate development loans are fixed asset loans? Chapter I General Provisions Article 1 for the regulation of banking financial institutions fixed asset loan business operations, strengthen the prudent management of fixed asset loans, and promote the healthy development of fixed asset loan business, based on the "People's Republic of China *** and the State Banking Supervision and Administration Act", "People's Republic of China *** and the State Commercial Banks Act" and other laws and regulations, the formulation of these measures. Article 2 The banking financial institutions (hereinafter referred to as the lenders) within the territory of the People's Republic of China approved by the banking regulatory authority of the State Council and established by the State Council shall comply with these Measures in the operation of fixed asset loan business. Article 3 the fixed asset loans referred to in these measures, refers to the lender to enterprises (affairs) legal person or the state regulations can be issued as a borrower of other organizations, for the borrower's fixed asset investment in this loan. Article 4 Lenders shall follow the principles of legal compliance, prudent operation, equality and voluntariness, fairness and good faith in carrying out fixed asset loan business. Article 5 The lender shall improve the internal control mechanism, implement the whole process management of the loan, fully understand the information of the customers and projects, establish the risk management system of the fixed asset loan and the effective post check and balance mechanism, implement the responsibility of each link of the loan management to the specific departments and posts, and establish the assessment and accountability mechanism of each post. Article 6 The lender shall include fixed asset loans in the unified credit limit management for the borrower and the borrower's group customers, and establish a risk limit management system for fixed asset loans according to the dimensions of regions, industries and loan varieties. Article 7 The lender shall agree with the borrower on a clear and legal use of the loan, and check and supervise the use of the loan in accordance with the agreement to prevent the loan from being misappropriated. Article 8 The banking supervisory and regulatory authorities shall supervise and manage the lender's fixed asset loan business in accordance with these Measures. Chapter II Acceptance and Investigation Article 9 The fixed asset loan application accepted by the lender shall have the following conditions: (1) the borrower shall be approved and registered by the administration for industry and commerce or the competent authority in accordance with the law; (2) the borrower shall have a good credit status without major adverse records; (3) if the borrower is a legal person of a newly established project, the controlling shareholders of the borrower shall have a good credit status without major adverse records; (4) the state shall have a good credit status without major adverse records of the project to be invested; (5) the state shall have a good credit status without major adverse records for the proposed investment project. If there are requirements on the qualification of investment entities and business qualification, the requirements are met; (e) the purpose of borrowing and the source of repayment are clear and legal; (f) the project is in line with the state's industrial, land, environmental protection and other relevant policies, and has fulfilled the legal management procedures for fixed asset investment projects in accordance with the regulations; (g) it is in line with the state's regulations on the capital system of the investment project; and (h) the other conditions required by the lender. Article 10 The lender shall make requirements on the manner and specific content of the application materials provided by the borrower, and require the borrower to abide by the principle of honesty and trustworthiness, and undertake that the materials provided are true, complete and effective. Article 11 The lender shall implement specific responsible departments and positions to perform due diligence and form a written report. The main contents of the due diligence include: (a) the borrower and the project sponsor and other relevant relations; (b) the situation of the loan project; (c) the loan guarantee; (d) the need to investigate the other contents. The due diligence personnel shall ensure the authenticity, completeness and validity of the contents of the due diligence report. Chapter III Risk Evaluation and Approval Article 12 The lender shall implement specific responsible departments and positions to conduct comprehensive risk evaluation of fixed asset loans and form a risk evaluation report. Article 13 The lender shall establish a perfect risk evaluation system for fixed asset loans, set up quantitative or qualitative indicators and standards, and carry out loan risk evaluation from the perspectives of the borrower, project sponsor, project compliance, project technical and financial feasibility, project product market, project financing scheme, reliability of repayment source, guarantee, insurance and other perspectives. Article 14 The lender shall regulate the approval process of fixed asset loans in accordance with the principle of separation of audit and loan and hierarchical approval, clarify the authority of loan approval, and ensure that the approving officer approves the loan independently in accordance with the authorization. Chapter IV Contract Signing Article 15 Lenders shall sign written loan contracts, guarantee contracts and other relevant contracts with borrowers and other relevant parties. The contract shall stipulate in detail the rights, obligations and default liabilities of all parties, and avoid non-agreement, unclear agreement or invalid agreement on important matters. Article 16 The lender shall agree with the borrower in the contract on the specific loan amount, term, interest rate, purpose, payment, loan repayment guarantee and risk disposal and other elements and relevant details. Article 17 The lender shall agree with the borrower in the contract on the conditions of withdrawal and the payment of loan funds to accept the lender's management and control and other terms related to the use of the loan, and the conditions of withdrawal shall include the same proportion as the loan capital has been in place in full, and the actual progress of the project and has been invested in the amount of matching and other requirements. Article 18 lender ......
What are the advantages of BOC's fixed asset loan products?
Fixed Asset Loan Product Advantages:
1. With China's investment and financing system undergoing transformation and the capital market not yet very developed, fixed asset loans are the main financing method for enterprises and institutions to carry out project construction.
2, to solve the enterprise in the infrastructure, technological transformation, scientific and technological development and the acquisition of fixed assets in the demand for funds.
The above is for your reference, please refer to the actual business regulations.