英漢對照:貸款條件

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英漢對照：貸款條件

2012-10-28 14:26

來源：外語教育網

作者：

Enterprises and undertaking units or other economic organizations which operate in the independent accounting system and have been verified and approved for registration by industrial and commercial administration organizations (or governing organizations) can apply for the fixed assets project loan to ICBC, given that the following conditions are met: 　　

經工商行政管理機關（或主管機關）核准登記，實行獨立核算的企業法人、事業法人和其他經濟組織，均可以作為借款人向中國工商銀行申請固定資產項目貸款。但首先應具備以下條件：

1. Basic accounts or general deposit accounts are opened in ICBC. As for the regions where the loan certificate management is carried out, the borrower needs to present the loan certificate verified and issued by the People's Bank; in case of application for the foreign exchange fixed assets loan, the import certification or registration documents are also needed.
2. Applicants shall have good credit, strong repayment capability and improved management system and the proportion of outward equity investments shall conform to State's related regulations.
3. Applicants shall be able to provide legal and valid guarantee. Meanwhile, the fixed assets investment project for which the expected loan is used shall meet the following conditions:
(1)In accordance with national industrial policy, loan policy and ICBC's loan orientation.
(2)Having a certain proportion of capital in cash as defined by the State.
(3)As for the projects to be examined and approved by related governmental departments, the approval documents shall be offered.

1. 在中國工商銀行考慮基本帳戶或一般存款帳戶。實行貸款證管理的地區，須持有人民銀行頒發的貸款證；申請外匯固定資產貸款，須持有進口證明或登記文件。

2. 信用狀況好，償債能力強，管理制度完善，對外權益性投資比例符合國家有關規定。

3. 能夠提供合法有效的擔保。同時，擬使用貸款的固定資產投資項目必須具備以下條件：　　

(1) 符合國家產業政策、信貸政策和中國工商銀行貸款投向。
(2)具有國家規定比例的資本金。　　

(3)需要政府有關部門審批的項目，須持有批准文件。

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