【正文】 .................................4 ....................................................................................................................4 ....................................................................................................................4 操作程序.................................................................................................................................5 受理.............................................................................................................................5 客戶申請(qǐng).........................................................................................................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(píng)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 貸后管理...................................................................................................................10 ..................................................................................................10 展期.................................................................................................................10 借新還舊.........................................................................................................10 不良貸款管理...........................................................................................................10 貸款后評(píng)價(jià)...............................................................................................................10 附件251中國(guó)建設(shè)銀行貸款意向書...................................................................................11 附件252中國(guó)建設(shè)銀行貸款承諾書...................................................................................13 附件253中國(guó)建設(shè)銀行貸款承諾書...................................................................................14中國(guó)建設(shè)銀行信貸業(yè)務(wù)手冊(cè)第二篇 第五章 固定資產(chǎn)貸款 概述 定義固定資產(chǎn)貸款是指建設(shè)銀行向借款人發(fā)放的用于固定資產(chǎn)項(xiàng)目投資的本外幣貸款。貸款對(duì)象經(jīng)國(guó)家工商行政管理機(jī)關(guān)（或主管機(jī)關(guān)）核準(zhǔn)登記的企業(yè)（事業(yè)）法人和其他經(jīng)濟(jì)組織。，具備甲級(jí)工程咨詢資質(zhì)的咨詢機(jī)構(gòu)出具，并有明確的結(jié)論性意見(jiàn)。人民幣固定資產(chǎn)貸款利率以中國(guó)人民銀行確定的同期限貸款利率為基準(zhǔn)，并在中國(guó)人民銀行允許的范圍內(nèi)浮動(dòng)。罰息利率應(yīng)在中國(guó)建設(shè)銀行與客戶簽定的借款合同中明確。中國(guó)建設(shè)銀行信貸業(yè)務(wù)手冊(cè)第二篇 第五章 固定資產(chǎn)貸款 調(diào)查參照本手冊(cè)第一篇第二章《信貸業(yè)務(wù)基本操作流程》，區(qū)別具體情況辦理：如客戶需要出具貸款意向書或意