貸款程序中英文對照范本-資料下載頁
2025-07-09 13:03本頁面
【正文】 ate credit projects which have been organized to appraise by syndicate leading banks and our bank has participated in as a participating bank。 4. Strong timeeffective bidding projects。 5. Credit business on which the head office leaders think it necessary to make joint assessment. The credit projects applicable for joint assessment are RMB1 billion or above in principle.五、聯(lián)合評審 聯(lián)合評審是指對按現(xiàn)行評審程序需要總行相關(guān)業(yè)務(wù)部門分別提出初審、評估、審查和信貸意見，再報信貸審批中心信貸審查會議和信貸政策委員會審議、總行領(lǐng)導(dǎo)審批的信貸業(yè)務(wù)，實行有關(guān)業(yè)務(wù)部門同步評估與審查的一種特殊貸款程序的項目貸款。實行聯(lián)合評審的信貸業(yè)務(wù)原則上限于以下幾類總行確定的300戶重點優(yōu)質(zhì)客戶申請的時效性較強的信貸業(yè)務(wù)；市場前景好、競爭激烈的基礎(chǔ)設(shè)施項目；銀團(tuán)牽頭行已組織評估，我行以參與行身份參加的銀團(tuán)貸款項目；時效性強的投標(biāo)項目；總行領(lǐng)導(dǎo)認(rèn)為需要聯(lián)合評審的信貸業(yè)務(wù)。實行聯(lián)合評審的信貸項目原則上在10億元以上。VI. Granting loanThe handling bank should sign a written loan contract with the borrower before granting the loan. The loan contract should be negotiated and signed between the handling bank and the borrower. Before signing the contract, the borrower should make the following mitments:1. Use uniform loan contract wordings of ICBC。2. Provide valid and effective guarantee, and handle or urge the guarantor to handle registration or notarization procedures as required。 3. Grant ICBC to participate in bidding for project equipment and engineering and etc.。4. Guarantee provided to any a third party if any before paying off all the ICBC loans should acquire agreement of ICBC。5. Combination, split, joint venturing, remolding with the stock system and other property right changes or contract, lease and other operating mode changes occurring during the period of loan contract performance if any should acquire agreement of ICBC in advance, and be implemented only after having settled loan liabilities and provided relevant guarantee.六、發(fā)放貸款 貸款發(fā)放前，經(jīng)辦行與借款人訂立書面借款合同。借款合同由經(jīng)辦行與借款人協(xié)商訂立。在簽訂合同之前，借款人應(yīng)當(dāng)承諾以下要求：； 2. 提供合法有效的擔(dān)保，并根據(jù)需要辦理或督促擔(dān)保人辦理登記或公證手續(xù)； 3. 準(zhǔn)予中國工商銀行參與項目設(shè)備和工程招標(biāo)等工作；4. 在還清中國工商銀行的全部借款之前，向第三人提供擔(dān)保的，應(yīng)事先征得中國工商銀行同意；5. 借款合同履行期間，發(fā)生合并、分立、合資、股份制改造等產(chǎn)權(quán)變更或承包、租賃等經(jīng)營方式改變的，應(yīng)事先征得中國工商銀行同意，并在落實貸款債務(wù)和提供相應(yīng)擔(dān)保后方可實施?！?
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