AcceptanceAll ICBC's county- and district-level sub-branches handling loan business and their corporate business departments (or marketing departments equivalent to corporate business departments) can accept application of borrowers for fixed assets loan. Generally, it is the client's bank of deposit that will accept and primarily review application of the client and submit preliminary opinions on the accepted loan. 一、受理 中國工商銀行辦理貸款業(yè)務的縣、區(qū)支行及其以上機構(gòu)的公司業(yè)務部門（或相當于公司業(yè)務部門的市場營銷部門）均可受理借款人固定資產(chǎn)貸款申請?？蛻舻纳暾堃话阌煽蛻舻拈_戶行受理和初審，并由該行對受理的貸款提出初步意見。
II. Primary auditingMain contents reviewed at the primary review stage of fixed assets loan: subordinate bank's application report; document of approval to the project; proprietor's letter of application for loan; recent statements of borrowers; and project loan conditions. 二、初審 固定資產(chǎn)貸款初審階段主要審查內(nèi)容是：下級行申請報告；項目批準文件；業(yè)主借款申請；借款人近期報表情況；項目貸款條件。
III. AppraisalThe loan project appraisal is generally organized and implemented by ICBC's credit appraisal departments. They will make a comprehensive and systematic appraisal on the loan as required by loan's 'tri-nature' principle, so as to provide an impersonal, impartial and accurate basis for loan decision-making by combining quantitative analysis with qualitative analysis. For that who needs the head office corporate business department to issue a letter of conditional commitment, the corporate business department should submit to the credit appraisal department for appraisal at the same time when issuing the letter of conditional loan commitment; for that who does not need the corporate business department to issue the letter of conditional commitment, the head office credit management department should submit to the credit appraisal department for appraisal. 三、評估 貸款項目的評估一般由中國工商銀行信貸評估部門組織進行。根據(jù)貸款“三性”原則要求，運用定量與定性相結(jié)合的方法，對貸款進行全面和系統(tǒng)的評價，為貸款決策提供客觀、公正和準確的依據(jù)。對需由總行公司業(yè)務部出具有條件承諾函的，公司業(yè)務部在出具有條件貸款承諾函的同時提交信貸評估部評估，不需要公司業(yè)務部出具有條件承諾函的，由總行信貸管理部提交信貸評估部評估。
1. Basis of loan project appraisal:(1) National industrial and overall arrangement policies, fiscal and tax policy, industrial development program, design standards and parameters for national & industrial feasibility study;
(2) Credit policy management provisions of the central bank and ICBC, and appraisal provisions & parameters of ICBC;
(3) Documents of approval to establishment of project issued by administrative governing
departments, project feasibility study report, and governing departments' demonstrative opinions;
(4) Materials relating to production and operation of the borrower;
(5) Central and local governments' regulations and provisions relating to municipal construction layout, environmental protection, fire control, security & health, transportation, labor protection and etc. 1. 貸款項目評估的依據(jù) (1) 國家產(chǎn)業(yè)和布局政策，財政稅收政策，行業(yè)發(fā)展規(guī)劃，國家和行業(yè)的可行性研究設計標準及參數(shù)；
(2) 中央銀行和中國工商銀行的信貸政策管理規(guī)定，中國工商銀行的評估規(guī)定和參數(shù)；
(3) 政府有權(quán)部門對項目立項的批準文件，項目可行性研究報告及有權(quán)部門的論證意見；
(4) 借款人生產(chǎn)經(jīng)營等有關(guān)資料；
(5) 中央和地方政府有關(guān)的城市建設規(guī)劃、環(huán)境保護、消防、安全衛(wèi)生、運輸、勞動保護等有關(guān)法規(guī)和規(guī)定。
2. Essential conditions for the appraisal(1) It accords with national industry and product overall arrangement and procedures for examination and approval of investment project, and the feasibility study has passed demonstration of authoritative departments;
(2) It accords with national industry overall arrangement policy, fiscal and tax policy, industry development program and design standards and parameters of national & industrial feasibility study;
(3) It accords with credit management provisions of PBOC and ICBC, and appraisal parameters of ICBC;
(4) The borrower's major financial indicators, sources and proportions of project capital accord with provisions of the state and ICBC; 2. 評估應具備的基本條件
(1) 符合國家產(chǎn)業(yè)、產(chǎn)品布局和投資項目審批程序，可行性研究經(jīng)權(quán)威部門論證；
(2) 符合國家產(chǎn)業(yè)布局政策、財政稅收政策、行業(yè)發(fā)展規(guī)劃以及國家和行業(yè)的可行性研究設計標準和參數(shù)；
(3) 符合人民銀行和中國工商銀行信貸管理規(guī)定、中國工商銀行評估參數(shù)；
(4) 借款人的主要財務指標、項目資本金來源及比例符合國家和中國工商銀行規(guī)定；
(5) Having the following basic data:
a. The borrower's business license, articles of corporation, loan certificate, and letter of application for loan.
b. The borrower (promoter)'s original of recent three years' audited report and attached balance sheets, income statements and cash flow statements and their notes.
c. The borrower's current liabilities checklist and credit standing.
d. Official and written reply to establishment of project issued by governing departments, project feasibility study report, official and written reply to project issued by environment protection departments and other governing departments, and demonstrative conclusions of authoritative departments.
e. Analytic data on market supply and demand, product price and industry status.
f. Documentary evidence for sources of project construction fund.
g. Schedule of project construction and fund using plan.
h. Mode and plan of loan repayment, and the borrower's expected cash flow data during the period of project construction and loan repayment.
i. Loan guarantee intent or commitment, guarantor's business license, financial statements, contingent liability status, and explanations to status of collateral (pledged goods). The borrower's business license, articles of corporation, loan certificate (card), and letter of application for loan.
j. Legal letter issued by equivalent legal affairs departments. (5) 具備以下基本資料：
a. 借款人營業(yè)執(zhí)照，公司章程，貸款證，借款申請書。
b. 借款人（出資人）最近三年的審計報告原件及隨審計報告附送的資產(chǎn)負債表、損益表和現(xiàn)金流量表及其報表附注?！ ?BR> c. 借款人現(xiàn)有負債清單及信用狀況。
d. 有權(quán)部門對項目立項的批復，項目可研報告、環(huán)保部門及其他有權(quán)部門對項目的批復文件，權(quán)威部門論證結(jié)論
e. 市場供求、產(chǎn)品價格、行業(yè)狀況分析資料。
f. 項目建設資金來源證明文件。
g. 項目建設進度表，資金使用計劃。
h. 貸款償還方式及計劃，借款人在項目建設期及貸款償還期內(nèi)現(xiàn)金流量預測材料。
i. 貸款擔保意向或承諾，擔保人營業(yè)執(zhí)照、財務報表、或有負債狀況，抵押（質(zhì)押）物的情況說明。借款人營業(yè)執(zhí)照、公司章程、貸款證（卡）、借款申請書。
j. 同級別法律事務部門出具的法律意見書。
3. Scope of appraisalAny projects applying for no less than RMB 5 million fixed assets loan or no less than $1 million foreign exchange loan from ICBC should be appraised; any S&T development loan should be appraised in principle regardless loan amounts; additional loan amounts exceeding 30% of the former loan commitment should be reappraised. But any loans in accordance with any of the following conditions may not be appraised as long as a loan survey report is provided. 3.評估的范圍
凡申請中國工商銀行固定資產(chǎn)貸款人民幣500萬元（含）以上、外匯貸款100萬美元（含）以上的項目，均應進行評估；科技開發(fā)貸款不論貸款額大小，原則上都要進行評估；追加貸款額超過原承諾貸款30% 的應重新進行評估。但符合以下條件之一的貸款可以不評估，只要提供貸款調(diào)查報告即可。
(1) Total amount of project loan falls below RMB 5 million or $1 million foreign exchange;
(2) Any project loans fully pledged by deposits, convertible T-bonds or financial debentures;
(3) Especially authorized by the loan review committee having corresponding authority. (1) 項目貸款總額在人民幣500萬元、外匯100萬美元以下的；
(2) 以存款、可轉(zhuǎn)讓國家債券或金融券全額質(zhì)押的項目貸款；
(3) 經(jīng)具有相應審批權(quán)限的貸款審查委員會特批的。
IV. Checkup and approval
After completion of the project loan appraisal report, the appraisal & advisory department should conscientiously review the appraisal report, and submit to the credit management department and the credit policy committee in the form of departmental documents; the credit management department will checkup and approve the loan according to the appraisal report and other data. 四、審查審批 項目貸款評估報告完成后，評估咨詢部門要認真審查評估報告,并以部門文件的形式提交信貸管理部門和信貸政策委員會；信貸管理部門依據(jù)評估報告等資料進行貸款的審查審批。
V. Joint assessmentIt means a project loan needing to follow a special loan procedure of relevant departments' synchronous appraise and review on the credit business that should be considered by the credit approval center's credit review meeting & credit policy committee and approved by head office leaders after relevant head office business departments respectively bring forward and submit primary review, appraisal, review and credit opinions according to prevailing assessment procedures. In principle, the credit businesses applicable for joint assessment are limited to the following several categories:
1. Strong time-effective credit business applied by 300 key and high quality clients, which are determined by head office;
2. Infrastructure projects with good market potential and severe competition;
3. Syndicate credit projects which have been organized to appraise by syndicate leading banks and our bank has participated in as a participating bank;
4. Strong time-effective bidding projects;
5. Credit business on which the head office leaders think it necessary to make joint assessment. The credit projects applicable for joint assessment are RMB1 billion or above in principle. 五、聯(lián)合評審 聯(lián)合評審是指對按現(xiàn)行評審程序需要總行相關(guān)業(yè)務部門分別提出初審、評估、審查和信貸意見，再報信貸審批中心信貸審查會議和信貸政策委員會審議、總行領(lǐng)導審批的信貸業(yè)務，實行有關(guān)業(yè)務部門同步評估與審查的一種特殊貸款程序的項目貸款。實行聯(lián)合評審的信貸業(yè)務原則上限于以下幾類
1、總行確定的300戶重點優(yōu)質(zhì)客戶申請的時效性較強的信貸業(yè)務；
2、市場前景好、競爭激烈的基礎設施項目；
3、銀團牽頭行已組織評估，我行以參與行身份參加的銀團貸款項目；
4、時效性強的投標項目；
5、總行領(lǐng)導認為需要聯(lián)合評審的信貸業(yè)務。實行聯(lián)合評審的信貸項目原則上在10億元以上。
VI. Granting loanThe handling bank should sign a written loan contract with the borrower before granting the loan. The loan contract should be negotiated and signed between the handling bank and the borrower. Before signing the contract, the borrower should make the following commitments:
1. Use uniform loan contract wordings of ICBC;
2. Provide valid and effective guarantee, and handle or urge the guarantor to handle registration or notarization procedures as required;
3. Grant ICBC to participate in bidding for project equipment and engineering and etc.;
4. Guarantee provided to any a third party if any before paying off all the ICBC loans should acquire agreement of ICBC;
5. Combination, split, joint venturing, remolding with the stock system and other property right changes or contract, lease and other operating mode changes occurring during the period of loan contract performance if any should acquire agreement of ICBC in advance, and be implemented only after having settled loan liabilities and provided relevant guarantee. 六、發(fā)放貸款 貸款發(fā)放前，經(jīng)辦行與借款人訂立書面借款合同。借款合同由經(jīng)辦行與借款人協(xié)商訂立。在簽訂合同之前，借款人應當承諾以下要求：
1.使用中國工商銀行統(tǒng)一的借款合同文本；
2. 提供合法有效的擔保，并根據(jù)需要辦理或督促擔保人辦理登記或公證手續(xù)；
3. 準予中國工商銀行參與項目設備和工程招標等工作；
4. 在還清中國工商銀行的全部借款之前，向第三人提供擔保的，應事先征得中國工商銀行同意；
5. 借款合同履行期間，發(fā)生合并、分立、合資、股份制改造等產(chǎn)權(quán)變更或承包、租賃等經(jīng)營方式改變的，應事先征得中國工商銀行同意，并在落實貸款債務和提供相應擔保后方可實施。
II. Primary auditingMain contents reviewed at the primary review stage of fixed assets loan: subordinate bank's application report; document of approval to the project; proprietor's letter of application for loan; recent statements of borrowers; and project loan conditions. 二、初審 固定資產(chǎn)貸款初審階段主要審查內(nèi)容是：下級行申請報告；項目批準文件；業(yè)主借款申請；借款人近期報表情況；項目貸款條件。
III. AppraisalThe loan project appraisal is generally organized and implemented by ICBC's credit appraisal departments. They will make a comprehensive and systematic appraisal on the loan as required by loan's 'tri-nature' principle, so as to provide an impersonal, impartial and accurate basis for loan decision-making by combining quantitative analysis with qualitative analysis. For that who needs the head office corporate business department to issue a letter of conditional commitment, the corporate business department should submit to the credit appraisal department for appraisal at the same time when issuing the letter of conditional loan commitment; for that who does not need the corporate business department to issue the letter of conditional commitment, the head office credit management department should submit to the credit appraisal department for appraisal. 三、評估 貸款項目的評估一般由中國工商銀行信貸評估部門組織進行。根據(jù)貸款“三性”原則要求，運用定量與定性相結(jié)合的方法，對貸款進行全面和系統(tǒng)的評價，為貸款決策提供客觀、公正和準確的依據(jù)。對需由總行公司業(yè)務部出具有條件承諾函的，公司業(yè)務部在出具有條件貸款承諾函的同時提交信貸評估部評估，不需要公司業(yè)務部出具有條件承諾函的，由總行信貸管理部提交信貸評估部評估。
1. Basis of loan project appraisal:(1) National industrial and overall arrangement policies, fiscal and tax policy, industrial development program, design standards and parameters for national & industrial feasibility study;
(2) Credit policy management provisions of the central bank and ICBC, and appraisal provisions & parameters of ICBC;
(3) Documents of approval to establishment of project issued by administrative governing
departments, project feasibility study report, and governing departments' demonstrative opinions;
(4) Materials relating to production and operation of the borrower;
(5) Central and local governments' regulations and provisions relating to municipal construction layout, environmental protection, fire control, security & health, transportation, labor protection and etc. 1. 貸款項目評估的依據(jù) (1) 國家產(chǎn)業(yè)和布局政策，財政稅收政策，行業(yè)發(fā)展規(guī)劃，國家和行業(yè)的可行性研究設計標準及參數(shù)；
(2) 中央銀行和中國工商銀行的信貸政策管理規(guī)定，中國工商銀行的評估規(guī)定和參數(shù)；
(3) 政府有權(quán)部門對項目立項的批準文件，項目可行性研究報告及有權(quán)部門的論證意見；
(4) 借款人生產(chǎn)經(jīng)營等有關(guān)資料；
(5) 中央和地方政府有關(guān)的城市建設規(guī)劃、環(huán)境保護、消防、安全衛(wèi)生、運輸、勞動保護等有關(guān)法規(guī)和規(guī)定。
2. Essential conditions for the appraisal(1) It accords with national industry and product overall arrangement and procedures for examination and approval of investment project, and the feasibility study has passed demonstration of authoritative departments;
(2) It accords with national industry overall arrangement policy, fiscal and tax policy, industry development program and design standards and parameters of national & industrial feasibility study;
(3) It accords with credit management provisions of PBOC and ICBC, and appraisal parameters of ICBC;
(4) The borrower's major financial indicators, sources and proportions of project capital accord with provisions of the state and ICBC; 2. 評估應具備的基本條件
(1) 符合國家產(chǎn)業(yè)、產(chǎn)品布局和投資項目審批程序，可行性研究經(jīng)權(quán)威部門論證；
(2) 符合國家產(chǎn)業(yè)布局政策、財政稅收政策、行業(yè)發(fā)展規(guī)劃以及國家和行業(yè)的可行性研究設計標準和參數(shù)；
(3) 符合人民銀行和中國工商銀行信貸管理規(guī)定、中國工商銀行評估參數(shù)；
(4) 借款人的主要財務指標、項目資本金來源及比例符合國家和中國工商銀行規(guī)定；
(5) Having the following basic data:
a. The borrower's business license, articles of corporation, loan certificate, and letter of application for loan.
b. The borrower (promoter)'s original of recent three years' audited report and attached balance sheets, income statements and cash flow statements and their notes.
c. The borrower's current liabilities checklist and credit standing.
d. Official and written reply to establishment of project issued by governing departments, project feasibility study report, official and written reply to project issued by environment protection departments and other governing departments, and demonstrative conclusions of authoritative departments.
e. Analytic data on market supply and demand, product price and industry status.
f. Documentary evidence for sources of project construction fund.
g. Schedule of project construction and fund using plan.
h. Mode and plan of loan repayment, and the borrower's expected cash flow data during the period of project construction and loan repayment.
i. Loan guarantee intent or commitment, guarantor's business license, financial statements, contingent liability status, and explanations to status of collateral (pledged goods). The borrower's business license, articles of corporation, loan certificate (card), and letter of application for loan.
j. Legal letter issued by equivalent legal affairs departments. (5) 具備以下基本資料：
a. 借款人營業(yè)執(zhí)照，公司章程，貸款證，借款申請書。
b. 借款人（出資人）最近三年的審計報告原件及隨審計報告附送的資產(chǎn)負債表、損益表和現(xiàn)金流量表及其報表附注?！ ?BR> c. 借款人現(xiàn)有負債清單及信用狀況。
d. 有權(quán)部門對項目立項的批復，項目可研報告、環(huán)保部門及其他有權(quán)部門對項目的批復文件，權(quán)威部門論證結(jié)論
e. 市場供求、產(chǎn)品價格、行業(yè)狀況分析資料。
f. 項目建設資金來源證明文件。
g. 項目建設進度表，資金使用計劃。
h. 貸款償還方式及計劃，借款人在項目建設期及貸款償還期內(nèi)現(xiàn)金流量預測材料。
i. 貸款擔保意向或承諾，擔保人營業(yè)執(zhí)照、財務報表、或有負債狀況，抵押（質(zhì)押）物的情況說明。借款人營業(yè)執(zhí)照、公司章程、貸款證（卡）、借款申請書。
j. 同級別法律事務部門出具的法律意見書。
3. Scope of appraisalAny projects applying for no less than RMB 5 million fixed assets loan or no less than $1 million foreign exchange loan from ICBC should be appraised; any S&T development loan should be appraised in principle regardless loan amounts; additional loan amounts exceeding 30% of the former loan commitment should be reappraised. But any loans in accordance with any of the following conditions may not be appraised as long as a loan survey report is provided. 3.評估的范圍
凡申請中國工商銀行固定資產(chǎn)貸款人民幣500萬元（含）以上、外匯貸款100萬美元（含）以上的項目，均應進行評估；科技開發(fā)貸款不論貸款額大小，原則上都要進行評估；追加貸款額超過原承諾貸款30% 的應重新進行評估。但符合以下條件之一的貸款可以不評估，只要提供貸款調(diào)查報告即可。
(1) Total amount of project loan falls below RMB 5 million or $1 million foreign exchange;
(2) Any project loans fully pledged by deposits, convertible T-bonds or financial debentures;
(3) Especially authorized by the loan review committee having corresponding authority. (1) 項目貸款總額在人民幣500萬元、外匯100萬美元以下的；
(2) 以存款、可轉(zhuǎn)讓國家債券或金融券全額質(zhì)押的項目貸款；
(3) 經(jīng)具有相應審批權(quán)限的貸款審查委員會特批的。
IV. Checkup and approval
After completion of the project loan appraisal report, the appraisal & advisory department should conscientiously review the appraisal report, and submit to the credit management department and the credit policy committee in the form of departmental documents; the credit management department will checkup and approve the loan according to the appraisal report and other data. 四、審查審批 項目貸款評估報告完成后，評估咨詢部門要認真審查評估報告,并以部門文件的形式提交信貸管理部門和信貸政策委員會；信貸管理部門依據(jù)評估報告等資料進行貸款的審查審批。
V. Joint assessmentIt means a project loan needing to follow a special loan procedure of relevant departments' synchronous appraise and review on the credit business that should be considered by the credit approval center's credit review meeting & credit policy committee and approved by head office leaders after relevant head office business departments respectively bring forward and submit primary review, appraisal, review and credit opinions according to prevailing assessment procedures. In principle, the credit businesses applicable for joint assessment are limited to the following several categories:
1. Strong time-effective credit business applied by 300 key and high quality clients, which are determined by head office;
2. Infrastructure projects with good market potential and severe competition;
3. Syndicate credit projects which have been organized to appraise by syndicate leading banks and our bank has participated in as a participating bank;
4. Strong time-effective bidding projects;
5. Credit business on which the head office leaders think it necessary to make joint assessment. The credit projects applicable for joint assessment are RMB1 billion or above in principle. 五、聯(lián)合評審 聯(lián)合評審是指對按現(xiàn)行評審程序需要總行相關(guān)業(yè)務部門分別提出初審、評估、審查和信貸意見，再報信貸審批中心信貸審查會議和信貸政策委員會審議、總行領(lǐng)導審批的信貸業(yè)務，實行有關(guān)業(yè)務部門同步評估與審查的一種特殊貸款程序的項目貸款。實行聯(lián)合評審的信貸業(yè)務原則上限于以下幾類
1、總行確定的300戶重點優(yōu)質(zhì)客戶申請的時效性較強的信貸業(yè)務；
2、市場前景好、競爭激烈的基礎設施項目；
3、銀團牽頭行已組織評估，我行以參與行身份參加的銀團貸款項目；
4、時效性強的投標項目；
5、總行領(lǐng)導認為需要聯(lián)合評審的信貸業(yè)務。實行聯(lián)合評審的信貸項目原則上在10億元以上。
VI. Granting loanThe handling bank should sign a written loan contract with the borrower before granting the loan. The loan contract should be negotiated and signed between the handling bank and the borrower. Before signing the contract, the borrower should make the following commitments:
1. Use uniform loan contract wordings of ICBC;
2. Provide valid and effective guarantee, and handle or urge the guarantor to handle registration or notarization procedures as required;
3. Grant ICBC to participate in bidding for project equipment and engineering and etc.;
4. Guarantee provided to any a third party if any before paying off all the ICBC loans should acquire agreement of ICBC;
5. Combination, split, joint venturing, remolding with the stock system and other property right changes or contract, lease and other operating mode changes occurring during the period of loan contract performance if any should acquire agreement of ICBC in advance, and be implemented only after having settled loan liabilities and provided relevant guarantee. 六、發(fā)放貸款 貸款發(fā)放前，經(jīng)辦行與借款人訂立書面借款合同。借款合同由經(jīng)辦行與借款人協(xié)商訂立。在簽訂合同之前，借款人應當承諾以下要求：
1.使用中國工商銀行統(tǒng)一的借款合同文本；
2. 提供合法有效的擔保，并根據(jù)需要辦理或督促擔保人辦理登記或公證手續(xù)；
3. 準予中國工商銀行參與項目設備和工程招標等工作；
4. 在還清中國工商銀行的全部借款之前，向第三人提供擔保的，應事先征得中國工商銀行同意；
5. 借款合同履行期間，發(fā)生合并、分立、合資、股份制改造等產(chǎn)權(quán)變更或承包、租賃等經(jīng)營方式改變的，應事先征得中國工商銀行同意，并在落實貸款債務和提供相應擔保后方可實施。