某银行委托贷款管理暂行办法.doc

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1、某银行委托贷款管理暂行办法中国农业银行委托贷款管理暂行办法中国银行委托贷款管理暂行办法第一章总则第一条为了促进银行委托贷款业务发展，规范委托贷款业务操作程序，根据中国人民银行有关规定，结合银行实际，特制定本办法。第二条银行开办委托贷款业务，其宗旨是完善银行服务功能，满足社会各方面的需求。第三条银行开办的委托贷款，是指银行作为受托人，按照政府部门、企事业单位及个人等委托人的意愿，以银行的名义发放的贷款。第四条银行根据委托方指定的委托对象、用途、期限、利率、项目承办单位、受益人等，办理委托贷款业务。因借款人的原因造成贷款到期不能偿还的，银行不承担借款人偿还贷款本息的责任。第五条开办委托贷款业务的银

2、行分支机构，需报总行审批，并持总行的批准文件及其它有关材料，向人民银行当地分支机构备案。第二章委托贷款的受理和发放第六条委托贷款的受理。银行要对委托人资格、委托人委托资金来源和用途等基本情况进行审查，重点审查委托人资金来源是否是本行借款，委托资金来源和运用是否符合国家法律政策的规定，委托贷款利率是否符合人民银行的规定等。审查同意后方可与委托人签订委托贷款委托合同。第七条委托人要根据委托贷款委托合同及时在银行开立委托贷款基金账户，将委托贷款资金存入该账户。委托贷款的总额不得超过委托贷款基金存款总额。委托贷款的期限必须在三个月以上(含三个月)。对发放委托贷款必须坚持“先存后贷，先拨后用”的原则。第

3、八条银行根据委托贷款合同确定相应的机构人员办理委托贷款业务，衔接委托方与借款方的关系，及时向委托方和上级行反映办理委托业务过程中的情况和问题，管理委托贷款。第九条银行根据资金到位情况、委托方委托贷款通知单要求，及时与借款方签订委托贷款借款合同，明确各方的权利和义务，及时办理委托贷款的发放。第十条委托方应按贷款余额的一定百分比按月向银行支付委托贷款发放手续费，其百分比最低不低于3。付款方式由双方协商确定。第三章委托贷款业务的管理第十一条银行对委托贷款业务要建立相应的台账、会计科目，进行核算和反映。第十二条银行要严格监督借款人贷款使用，严禁挤占挪用；要协助委托人做好委托贷款本息收回工作，对委托人到

4、期应收回的委托资金和应收利息，必须先收后划，不得垫付。第十三条委托贷款的利率调整、提前收回和延期归还，均需凭委托方的书面通知以及借款人的同意认可方能办理。第四章附则第十四条本办法解释权在银行总行。第十五条本办法自下发之日起执行。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16wjm7nc91n6iqs1mu1h8oov6tllppud283fvdhu89.3p,43skeqmbel3rs5ggljhlfu4yzp,tuka0puyltm0i6qq81ekn,kqxl2wph.nj1u,suwyji7yxc00om3tqvbwa45iq

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