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(wù)的縣、區(qū)支行及其以上機(jī)構(gòu)的公司業(yè)務(wù)部門（或相當(dāng)于公司業(yè)務(wù)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(xiàng)目批準(zhǔn)文件；業(yè)主借款申請；借款人近期報表情況；項(xiàng)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(xiàng)目的評估一般由中國工商銀行信貸評估部門組織進(jìn)行。根據(jù)貸款“三性”原則要求，運(yùn)用定量與定性相結(jié)合的方法，對貸款進(jìn)行全面和系統(tǒng)的評價，為貸款決策提供客觀、公正和準(zhǔn)確的依據(jù)。對需由總行公司業(yè)務(wù)部出具有條件承諾函的，公司業(yè)務(wù)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(wù)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.
一、受理 中國工商銀行辦理貸款業(yè)務(wù)的縣、區(qū)支行及其以上機(jī)構(gòu)的公司業(yè)務(wù)部門（或相當(dāng)于公司業(yè)務(wù)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(xiàng)目批準(zhǔn)文件；業(yè)主借款申請；借款人近期報表情況；項(xiàng)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(xiàng)目的評估一般由中國工商銀行信貸評估部門組織進(jìn)行。根據(jù)貸款“三性”原則要求，運(yùn)用定量與定性相結(jié)合的方法，對貸款進(jìn)行全面和系統(tǒng)的評價，為貸款決策提供客觀、公正和準(zhǔn)確的依據(jù)。對需由總行公司業(yè)務(wù)部出具有條件承諾函的，公司業(yè)務(wù)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(wù)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.