银行流动资金贷款产品的比较

子主题

<p class="MsoNormal" align="left"><span style="font-family: 宋体; color: black; background-position: initial initial; background-repeat: initial initial;">主要满足小企业客户正常生产经营过程中周转性或临时性流动资金需要。</span><span lang="EN-US" style="font-family: Tahoma, sans-serif; color: black; background-position: initial initial; background-repeat: initial initial;"><o:p></o:p></span></p> <span style="font-size: 10.5pt; font-family: 宋体; color: black; background-position: initial initial; background-repeat: initial initial;">可循环流动资金贷款是为提高对流动资金贷款需求频繁、业务量较大的优良客户的服务效率和提高风险的动态管理水平，而为给客户提供方便、快捷、高效的信贷服务。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">根据借款人需要</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">,</span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">选择币种。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">按照中国农业银行贷款利率管理规定和贷款合同的约定执行。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">各项收费均通过合同约定。</span>

<span style="font-size: 10.5pt; font-family: 宋体; color: black; background-position: initial initial; background-repeat: initial initial;">主要满足小企业客户正常生产经营过程中周转性或临时性流动资金需要。</span>

<span style="font-size:10.5pt;font-family:宋体; mso-ascii-theme-font:minor-fareast;mso-fareast-theme-font:minor-fareast; mso-hansi-theme-font:minor-fareast;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:black;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">符合中国农业银行小企业信贷管理办法的标准。</span>

<span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">1.</span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">贷款担保申请。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">2.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人股东会同意拟贷款担保的决议。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">银行贷款意向书。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">4.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人依法设立的相关文件、法人复印件。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">5.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">前三年度报告。</span>

<div class="TRS_Editor"> <p>1.提出书面申请。</p> <p>　　2.提供如下资料：</p> <p>　　（1）注册登记或批准成立的有关文件及其最新有效的年检证明；</p> <p>　　（2）经年检的组织机构代码证，有效的税务登记证及近期的纳税证明，法定代表人身份有效证明或法定代表人授权的委托书；</p> <p>　　（3）企（事）业章程或合资、合作的合同或协议，验资证明；</p> <p>　　（4）人民银行核发经年检有效的贷款卡；</p> <p>　　（5）公司章程对办理信贷业务有限制的，需提供章程要求的股东会或董事会决议或其他文件；</p> <p>　　（6）近三年年度财务报告及最近一期财务报表，成立不足三年的，提交成立以来的年度财务报告及最近一期财务报表。农业银行认为有必要的，应提供经审计的财务报告；</p> <p>　　（7）印鉴卡、法定代表人及授权代理人签字式样；</p> <p>　　（8）采取担保方式的，还应提供担保相关资料；</p> <p>　　（9）生产经营计划或购销合同等反映客户资金需求的凭证、资料，进出口批文及批准使用外汇的有效文件；</p> <p>　　（10）其他资料。</p></div>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">流动资金贷款是为满足借款人在生产经营过程中临时性、季节性的资金需求，保证生产经营活动的正常进行而发放的贷款。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">流动资金贷款的特点是期限灵活，能够满足借款人临时性、短期和中期流动资金需求，按期限可分为临时流动资金贷款、短期流动资金贷款和中期流动资金贷款。临时贷款是指期限在</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">个月（含</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">个月）以内的流动资金贷款，主要用于企业一次性进货的临时需要和弥补其他季节性支付资金不足；短期贷款是指期限为</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">个月至</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">1</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年（不含</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">个月，含</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">1</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年）的流动资金贷款，主要用于企业正常生产经营周转的资金需求；中期贷款是指期限为</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">1</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年至</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年（不含</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">1</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年，含</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">年）的流动资金贷款，主要用于企业正常生产经营中经常性的周转占用和铺底流动资金贷款。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">根据借款人需要</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">,</span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">选择币种。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">按照中国工商银行贷款利率管理规定和贷款合同的约定执行。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">各项收费均通过合同约定。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">流动资金贷款流动性强，适用于有中、短期资金需求的工、商企业借款人。</span>

<span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">1. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人应是经工商行政管理机关（或主管机关）核准登记注册、具有独立法人资格的企业，其他经济组织和个体工商户。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 2. </span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">遵守国家的政策法规和银行的信贷制度，在国家政策允许的范围内生产、经营。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 3.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">经营管理制度健全，财务状况良好，资产负债率符合中国工商银行的要求。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 4. </span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">具有固定的生产、经营场地，产品有市场，生产经营有效益，不挤占挪用信贷资金，恪守信用。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 5. </span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">在中国工商银行或中国工商银行的代理机构开立了基本帐户或一般存款帐户，并领有当地人民银行核发的</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">“</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">贷款证</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">”</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">，经营情况正常，资金运转良好，具有按期偿还贷款本息的能力。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 6. </span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">应经过工商部门办理年检手续。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA"> 7. </span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">除国务院规定外，有限责任公司和股份有限公司对外股本权益性投资累计额未超过其净资产的</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">50</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">％。</span>

<span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">1</span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">．借款申请书，董事会决议。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">2.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">盖有企业法人的身份证复印件。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">3.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">企业最新公司章程、验资报告。</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: ZH-CN;mso-bidi-language:AR-SA">4.</span><span style="font-size:10.5pt; mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">企业近三年和最近一期的财务报表。</span>

<p>1. 借款人向银行提交借款申请书；</p> <p>2. 借款人向银行提交相关资料，包括营业执照、公司章程、近三年经审计的财务报表、项目立项及批复文件、项目经济效益分析、用还款计划等；</p> <p>3. 银行进行贷前的调查和评估，对借款人的信用等级以及借款的合法性、安全性、盈利性等情况进行调查，保证人情况，形成评估意见；</p> <p>4. 经银行内部审查同意的，双方就借款合同、抵押合同、担保合同的条款达成一致意见，有关各方签署合同；</p> <p>5. 借款人办理合同约定的抵押登记等有关手续；</p> <p>6. 借款人在中国银行开立账户；</p> <p>7. 借款人提出提款申请，提取贷款。</p>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">流动资金贷款是为满足客户在生产经营过程中短期资金需求，保证生产经营活动正常进行而发放的贷款。</span>

<p><span style="color:#333333">流动资金贷款作为一种高效实用的融资手段，具有贷款期限短、手续简便、周转性较强、融资成本较低的特点。按贷款期限可分为一年期以内的短期流动资金贷款和一年至三年期的中期流动资金贷款；按贷款方式可分为担保贷款和信用贷款，其中担保贷款又分保证、抵押和质押等形式；按使用方式可分为逐笔申请、逐笔审贷的短期周转贷款和在银行规定时间及限额内随借、随用、随还的短期循环贷款。<span lang="EN-US"><o:p></o:p></span></span></p>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">根据借款人需要，可选择美元及越南盾两种货币。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">按照中国银行贷款利率管理规定和贷款合同的约定执行。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">各项收费均通过合同约定。</span>

<span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">借款人应是依法核准登记的企业法人或其他经济组织等。</span>

<span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">1. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">借款人应是依法核准登记的企业法人及其他经济组织等，拥有合法有效的营业执照；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">2. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人须经中国银行信用评级，并达到一定级别要求；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">3. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人具有健全的经营管理机构、合格的领导班子及严格的经营管理制度；企业经营、财务和信用状况良好，具有按时偿还贷款本息的能力；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">4. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">有银行认可的担保单位提供保证或抵（质）押担保；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">5. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人在中国银行开立账户；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">6. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">符合中国银行其他有关贷款政策要求。</span>

<span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">1. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">借款申请书；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size: 11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin; mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">2. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt; font-family:宋体;mso-ascii-font-family:Calibri;mso-ascii-theme-font:minor-latin; mso-fareast-theme-font:minor-fareast;mso-hansi-font-family:Calibri;mso-hansi-theme-font: minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi; color:#333333;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language: AR-SA">企业法人代表证明书或授权委托书，董事会决议及公司章程；</span><span lang="EN-US" style="font-size: 10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font: minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast; mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">3. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">有效的企业（法人）营业执照（复印件）；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">4. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">借款人近三年经审计的财务报表及近期财务报表；</span><span lang="EN-US" style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; mso-ascii-theme-font:minor-latin;mso-fareast-font-family:宋体;mso-fareast-theme-font: minor-fareast;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:&quot;Times New Roman&quot;; mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language:EN-US; mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">5. </span><span style="font-size:10.5pt;mso-bidi-font-size:11.0pt;font-family:宋体;mso-ascii-font-family: Calibri;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri;mso-hansi-theme-font:minor-latin;mso-bidi-font-family: &quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;color:#333333;mso-ansi-language: EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">中国银行要求提供的其它文件、证明等。</span>

<p><span lang="EN-US" style="color:#333333">1. </span><span style="color:#333333">借款人向银行提交借款申请书；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">2. </span><span style="color:#333333">借款人向银行提交相关资料，包括营业执照、公司章程、近三年经审计的财务报表、项目立项及批复文件、项目经济效益分析、用还款计划等；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">3. </span><span style="color:#333333">银行进行贷前的调查和评估，对借款人的信用等级以及借款的合法性、安全性、盈利性等情况进行调查，保证人情况，形成评估意见；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">4. </span><span style="color:#333333">经银行内部审查同意的，双方就借款合同、抵押合同、担保合同的条款达成一致意见，有关各方签署合同；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">5. </span><span style="color:#333333">借款人办理合同约定的抵押登记等有关手续；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">6. </span><span style="color:#333333">借款人在中国银行开立账户；<span lang="EN-US"><o:p></o:p></span></span></p> <p><span lang="EN-US" style="color:#333333">7. </span><span style="color:#333333">借款人提出提款申请，提取贷款。<span lang="EN-US"><o:p></o:p></span></span></p>