【正文】 銀行同檔期基準(zhǔn)利率上適度浮動(dòng)。3）縣聯(lián)社審查、審批。第二篇：固定資產(chǎn)貸款中國建設(shè)銀行信貸業(yè)務(wù)手冊第二篇 第五章 固定資產(chǎn)貸款第五章 固定資產(chǎn)貸款 概述.........................................................................................................................................2 定義.............................................................................................................................2 對象.............................................................................................................................2 條件.............................................................................................................................2 用途.............................................................................................................................2 分類.............................................................................................................................3 期限.............................................................................................................................3 利率、結(jié)息和貼息.......................................................................................................3....................................................................................................................3 ....................................................................................................................4 ....................................................................................................................4 ....................................................................................................................4 操作程序.................................................................................................................................5 受理.............................................................................................................................5 客戶申請.........................................................................................................5 資格審查.........................................................................................................5 提交材料.........................................................................................................5 調(diào)查.............................................................................................................................7 初步調(diào)查.........................................................................................................7 出具貸款意向書或意向性貸款承諾書...........................................................7 調(diào)查評價(jià).........................................................................................................8 審批.............................................................................................................................8 出具貸款承諾書...........................................................................................................8 發(fā)放.............................................................................................................................8 落實(shí)簽訂合同的條件.....................................................................................8 簽訂借款合同和附屬擔(dān)保合同.......................................................................9 ....................................................................................................9 貸款支用.........................................................................................................9