Question: What is the general situation of the applicant for project on lending
1. Enterprise profile, including enterprise name, nature, scale, history and current situation, organizational structure and management system, technology and management level, etc. 2. The borrower shall be a legal person or other economic organization approved and registered by the administrative authority for industry and commerce (or the competent authority). Specify whether the borrowing unit has borrowing qualification. According to the current national regulations and our requirements, the general requirements for project loans are to first establish the project legal person, be responsible for the construction of the project and the operation after the project is completed and put into operation, and be responsible for the loan and repayment of principal and interest of the project; The ratio of the owner's equity of the enterprise legal person of the new project to the total investment required by the project shall not be lower than the capital ratio of the investment project stipulated by the State. For those who do not comply with the regulations and only apply for loans in the name of temporary institutions such as the project construction headquarters, they should be required to register as project legal persons in accordance with the relevant provisions of the project legal person responsibility system, and assume the corresponding rights and obligations of borrowing and repayment. If the borrower is a joint-stock enterprise, its board of directors shall make a resolution or make a corresponding authorization decision on its borrowing application. 3. The current production, operation and financial conditions of the enterprise, according to the Accounting Standards for Business Enterprises, the General Principles of Enterprise Finance and the latest evaluation indicators of enterprise economic benefits stipulated by the Ministry of Finance, focus on the evaluation of the financial situation of the enterprise: the business scale of the enterprise (the registered capital of the enterprise, total assets, owner's equity and total profits in the past three years), The solvency of the enterprise (current ratio, quick ratio, asset liability ratio in recent three years), profitability (return on net assets, profit margin on sales), etc; If the borrower is a limited liability company or a joint stock limited company, the cumulative amount of its external equity investment shall not exceed 50% of its total net assets.
