固定资产贷款管理暂行办法.pdf

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1、固定资产贷款管理暂行办法中国银行业监督管理委员会中国银行业监督管理委员会令2009 年第 2 号固定资产贷款管理暂行办法已经中国银行业监督管理委员会第72 次主席会议通过，现予公布。本办法自发布之日起三个月后施行。主席刘明康二九年七月二十三日固定资产贷款管理暂行办法第一章总则第一条为规范银行业金融机构固定资产贷款业务经营行为，加强固定资产贷款审慎经营管理，促进固定资产贷款业务健康发展，依据中华人民共和国银行业监督管理法、中华人民共和国商业银行法等法律法规，制定本办法。第二条中华人民共和国境内经国务院银行业监督管理机构批准设立的银行业金融机构（以下简称贷款人），经营固定资产贷款业务应遵守本办法。

2、第三条本办法所称固定资产贷款，是指贷款人向企（事）业法人或国家规定可以作为借款人的其他组织发放的，用于借款人固定资产投资的本外币贷款。第四条贷款人开展固定资产贷款业务应当遵循依法合规、审慎经营、平等自愿、公平诚信的原则。第五条贷款人应完善内部控制机制，实行贷款全流程管理，全面了解客户和项目信息，建立固定资产贷款风险管理制度和有效的岗位制衡机制，将贷款管理各环节的责任落实到具体部门和岗位，并建立各岗位的考核和问责机制。第六条贷款人应将固定资产贷款纳入对借款人及借款人所在集团客户的统一授信额度管理，并按区域、行业、贷款品种等维度建立固定资产贷款的风险限额管理制度。第七条贷款人应与借款人约定明确、合

3、法的贷款用途，并按照约定检查、监督贷款的使用情况，防止贷款被挪用。第八条银行业监督管理机构依照本办法对贷款人固定资产贷款业务实施监督管理。第二章受理与调查第九条贷款人受理的固定资产贷款申请应具备以下条件：（一）借款人依法经工商行政管理机关或主管机关核准登记；（二）借款人信用状况良好，无重大不良记录；（三）借款人为新设项目法人的，其控股股东应有良好的信用状况，无重大不良记录；（四）国家对拟投资项目有投资主体资格和经营资质要求的，符合其要求；（五）借款用途及还款来源明确、合法；（六）项目符合国家的产业、土地、环保等相关政策，并按规定履行了固定资产投资项目的合法管理程序；（七）符合国家有关投资项目资

4、本金制度的规定；（八）贷款人要求的其他条件。第十条贷款人应对借款人提供申请材料的方式和具体内容提出要求，并要求借款人恪守诚实守信原则，承诺所提供材料真实、完整、有效。第十一条贷款人应落实具体的责任部门和岗位，履行尽职调查并形成书面报告。尽职调查的主要内容包括：（一）借款人及项目发起人等相关关系人的情况；（二）贷款项目的情况；（三）贷款担保情况；（四）需要调查的其他内容。文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN

5、8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码

6、:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9

7、HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10

8、ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档

9、编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V

10、9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R1

11、0 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7尽职调查人员应当确保尽职调查报告内容的真实性、完整性和有效性。第三章风险评价与审批第十二条贷款人应落实具体的责任部门和岗位，对固定资产贷款进行全面的风险评价，并形成风险评价报告。第十三条贷款人应建立完善的固定资产贷款风险评价制度，设置定量或定性的指标和标准，从借款人、项目发起人、项目合规性、项目技术和财务可行性、项目产品市场、项目融资方案、还款来源可靠性、担保、保险等角度进行贷款风险评价。第十四条贷款人应按照审贷分离、分级审批的原则，规范固定资产贷款审批流程，明确贷款审批权限，确保审批人

12、员按照授权独立审批贷款。第四章合同签订第十五条贷款人应与借款人及其他相关当事人签订书面借款合同、担保合同等相关合同。合同中应详细规定各方当事人的权利、义务及违约责任，避免对重要事项未约定、约定不明或约定无效。第十六条贷款人应在合同中与借款人约定具体的贷款金额、期限、利率、用途、支付、还贷保障及风险处置等要素和有关细节。第十七条贷款人应在合同中与借款人约定提款条件以及贷款资金支付接受贷款人管理和控制等与贷款使用相关的条款，提款条件应包括与贷款同比例的资本金已足额到位、项目实际进度与已投资额相匹配等要求。第十八条贷款人应在合同中与借款人约定对借款人相关账户实施监控，必要时可约定专门的贷款发放账户和

13、还款准备金账户。第十九条贷款人应要求借款人在合同中对与贷款相关的重要内容作出承诺，承诺内容应包括：贷款项目及其借款事项符合法律法规的要求；及时向贷款人提供完整、真实、有效的材料；配合贷款人对贷款的相关检查；发生影响其偿债能力的重大不利事项及时通知贷款人；进行合并、分立、股权转让、对外投资、实质性增加债务融资等重大事项前征得贷款人同意等。文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5

14、J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J

15、4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H

16、1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:C

17、Y5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT

18、8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN

19、8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码

20、:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7第二十条贷款人应在合同中与借款人约定，借款人出现未按约定用途使用贷款、未按约定方式支用贷款资金、未遵守承诺事项、申贷文件信息失真、突破约定的财务指标约束等情形时借款人应承担的违约责任和贷款人可采取的措施。第五章发放与支付第二十一条贷款人应设立独立的责任部门或岗位，负责贷款发放和支付审核。第二十二条贷款人在发放贷款前应确认借款人满足合同约定的提款条件，并按照合同约定的方式对贷款资金的支付实施管理与控制，监督贷款资金按约定用途使用。第二十三条合同约定专门贷款发放账户的，贷款发放和支付应通过该账户办理。第二十四条贷款人应通过贷

21、款人受托支付或借款人自主支付的方式对贷款资金的支付进行管理与控制。贷款人受托支付是指贷款人根据借款人的提款申请和支付委托，将贷款资金支付给符合合同约定用途的借款人交易对手。借款人自主支付是指贷款人根据借款人的提款申请将贷款资金发放至借款人账户后，由借款人自主支付给符合合同约定用途的借款人交易对手。第二十五条单笔金额超过项目总投资5%或超过500 万元人民币的贷款资金支付，应采用贷款人受托支付方式。第二十六条采用贷款人受托支付的，贷款人应在贷款资金发放前审核借款人相关交易资料是否符合合同约定条件。贷款人审核同意后，将贷款资金通过借款人账户支付给借款人交易对手，并应做好有关细节的认定记录。第二十七

22、条采用借款人自主支付的，贷款人应要求借款人定期汇总报告贷款资金支付情况，并通过账户分析、凭证查验、现场调查等方式核查贷款支付是否符合约定用途。第二十八条固定资产贷款发放和支付过程中，贷款人应确认与拟发放贷款同比例的项目资本金足额到位，并与贷款配套使用。第二十九条在贷款发放和支付过程中，借款人出现以下情形的，贷款人应与借款人协商补充贷款发放和支付条件，或根据合同约定停止贷款资金的发放和支付：（一）信用状况下降；文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3

23、G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F

24、2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A

25、1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8

26、H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C

27、9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N

28、3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5

29、J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7（二）不按合同约定支付贷款资金；（三）项目进度落后于资金使用进度；（四）违反合同约定，以化整为零方式规避贷款人受托支付。第六章贷后管理第三十条贷款人应定期对借款人和项目发起人的履约情况及信用状况、项目的建设和运营情况、宏观经济变化和市场波动情况、贷款担保的变动情况等内容进行检查与分析，建立贷款质量监控制度和贷款风险预警体系。出现可能影响贷款安全的不利情形时，贷款人应对贷款风险进行重新评价并采取针对性措施。第三十一条项目实际投资超过原定投资金额，贷款

30、人经重新风险评价和审批决定追加贷款的，应要求项目发起人配套追加不低于项目资本金比例的投资和相应担保。第三十二条贷款人应对抵（质）押物的价值和担保人的担保能力建立贷后动态监测和重估制度。第三十三条贷款人应对固定资产投资项目的收入现金流以及借款人的整体现金流进行动态监测，对异常情况及时查明原因并采取相应措施。第三十四条合同约定专门还款准备金账户的，贷款人应按约定根据需要对固定资产投资项目或借款人的收入现金流进入该账户的比例和账户内的资金平均存量提出要求。第三十五条借款人出现违反合同约定情形的，贷款人应及时采取有效措施，必要时应依法追究借款人的违约责任。第三十六条固定资产贷款形成不良贷款的，贷款人应

31、对其进行专门管理，并及时制定清收或盘活措施。对借款人确因暂时经营困难不能按期归还贷款本息的，贷款人可与借款人协商进行贷款重组。第三十七条对确实无法收回的固定资产不良贷款，贷款人按照相关规定对贷款进行核销后，应继续向债务人追索或进行市场化处置。文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V

32、9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R1

33、0 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7

34、文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G

35、4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2

36、R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1

37、P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7第七章法律责任第三十八

38、条贷款人违反本办法规定经营固定资产贷款业务的，银行业监督管理机构应当责令其限期改正。贷款人有下列情形之一的，银行业监督管理机构可根据中华人民共和国银行业监督管理法第三十七条的规定采取监管措施：（一）固定资产贷款业务流程有缺陷的；（二）未按本办法要求将贷款管理各环节的责任落实到具体部门和岗位的；（三）贷款调查、风险评价未尽职的；（四）未按本办法规定对借款人和项目的经营情况进行持续有效监控的；（五）对借款人违反合同约定的行为未及时采取有效措施的。第三十九条贷款人有下列情形之一的，银行业监督管理机构除按本办法第三十八条规定采取监管措施外，还可根据 中华人民共和国银行业监督管理法第四十六条、第四十八条

39、规定对其进行处罚：（一）受理不符合条件的固定资产贷款申请并发放贷款的；（二）与借款人串通，违法违规发放固定资产贷款的；（三）超越、变相超越权限或不按规定流程审批贷款的；（四）未按本办法规定签订贷款协议的；（五）与贷款同比例的项目资本金到位前发放贷款的；（六）未按本办法规定进行贷款资金支付管理与控制的；（七）有其他严重违反本办法规定的行为的。第八章附则文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文

40、档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4

41、V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R

42、10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P

43、7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3

44、G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F

45、2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A

46、1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7第四十条全额保证金类质押项下的固定资产贷款参照本办法执行。第四十一条贷款人应依照本办法制定固定资产贷款管理细则及操作规程。第四十二条本办法由中国银行业监督管理委员会负责解释。第四十三条本办法自发布之日起三个月后施行。文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F

47、2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A

48、1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8

49、H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C

50、9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N3A1P7文档编码:CY5J8H3G4V9 HT8J4C9F2R10 ZN8H1N