【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。5）落實(shí)擔(dān)保。3）縣聯(lián)社審查、審批。貸款發(fā)放流程1）客戶申請(qǐng)。貸款利率貸款利率可在中國(guó)人民銀行同檔期基準(zhǔn)利率上適度浮動(dòng)。特點(diǎn)固定資產(chǎn)貸款的特點(diǎn)是期限長(zhǎng)，貸款金額大，能夠滿足借款人對(duì)固定資產(chǎn)項(xiàng)目的固定資產(chǎn)投資和流動(dòng)資金投資需求。貸款種類固定資產(chǎn)貸款包括基本建設(shè)貸款和技術(shù)改造貸款。第一篇：固定資產(chǎn)貸款固定資產(chǎn)貸款固定資產(chǎn)貸款是指農(nóng)村信用社向借款人發(fā)放的，主要用于固定資產(chǎn)項(xiàng)