1. General project loan
The local and foreign currency loan applied for by clients to ICBC for addressing their needs for funds in the fixed assets investment activities. By different purposes of the loan, it includes capital construction loan, technical reconstruction loan and technical development loan.
1. 一般項目貸款
客戶因從事固定資產投資活動產生資金需求而向中國工商銀行申請的本外幣貸款，按照貸款的不同用途，可分為基本建設貸款、技術改造貸款、科技開發(fā)貸款。
(1) Capital construction loan
The loan granted for basic construction of the infrastructure approved by national entitled department, municipal projects, service facilities and the newly-constructed or reconstructed projects.
(1)基本建設貸款
是指用于經國家有權部門批準的基礎設施、市政工程、服務設施和以外延擴大再生產為主的新建或擴建生產性工程等基本建設而發(fā)放的貸款。
(2) Technical reconstruction loan
The loan designed for the technical reconstruction projects in the existing enterprises which focus on the expansion of reproduction by way of connotation.
(2)技術改造貸款
是用于現(xiàn)有企業(yè)以內涵擴大再生產為主的技術改造項目而發(fā)放的貸款。
(3) Technical development loan
The loan granted for research and development of new technologies and new products and conversion of technical results to production or application.
(3)科技開發(fā)貸款
是指用于新技術和新產品的研制開發(fā)、科技成果向生產領域轉化或應用而發(fā)放的貸款。
(4) Commercial expansion loan
The loan applied for by commercial, restaurant and service enterprise to bank for expanding their operation scopes, improving service facilities and increasing storage area.
(4)商業(yè)網點貸款
是指商業(yè)、餐飲、服務企業(yè)，為擴大網點、改善服務設施、增加倉儲面積等所需資金，在自籌建設資金不足時，而向銀行申請的貸款。
2. Annexation loan
The local and foreign currency loan designed for addressing the financing needs of the superior clients in their reform and reconstruction process for annexing and acquiring other domestic enterprises and undertaking units and established projects, as reconstruction of
assets and debts. Considering the particularity of this sort of loan, ICBC formulated special methods to standardize the approval and management of the loan. You can make inquiry to county-above sub-branches of ICBC for more information.
2. 并購貸款
針對境內優(yōu)勢客戶在改制、改組過程中，有償兼并、收購國內其他企事業(yè)法人、已建成項目及進行資產、債務重組中產生的融資需求而發(fā)放的本外幣貸款。鑒于該項貸款的特殊性，中國工商銀行制定了專門的辦法規(guī)范該類貸款的審批及管理，具體情況可向中國工商銀行縣支行以上機構咨詢?！ ?BR> 3. Foreign exchange transferred loan
The loan granted by foreign governments and financial organizations (loaner) to borrowers of our country which will be transferred to domestic banks first before its granting. Generally, this sort of loan has some preferential treatment, for example, lower interest rate and longer term. Target, purpose, amount, term and interest rate of the loan shall be determined by the loaner, with lower interest rate (0.2%- 0.3%, even no interest) and longer term (10-40 years with 2-15 years of grace period).
3. 外匯轉貸款
外國政府及金融機構（貸款人）向我國借款人提供并由國內銀行轉貸的貸款。該類貸款通常帶有一定優(yōu)惠，如利率較低，期限較長。該類貸款的對象、用途、金額、期限、利率等均由貸款人決定，通常帶有一定優(yōu)惠，如利率較低（一般在0.2％－0.3％，有的甚至為無息），期限較長（一般在10－40年間，并含有2－15年寬限期）。
The local and foreign currency loan applied for by clients to ICBC for addressing their needs for funds in the fixed assets investment activities. By different purposes of the loan, it includes capital construction loan, technical reconstruction loan and technical development loan.
1. 一般項目貸款
客戶因從事固定資產投資活動產生資金需求而向中國工商銀行申請的本外幣貸款，按照貸款的不同用途，可分為基本建設貸款、技術改造貸款、科技開發(fā)貸款。
(1) Capital construction loan
The loan granted for basic construction of the infrastructure approved by national entitled department, municipal projects, service facilities and the newly-constructed or reconstructed projects.
(1)基本建設貸款
是指用于經國家有權部門批準的基礎設施、市政工程、服務設施和以外延擴大再生產為主的新建或擴建生產性工程等基本建設而發(fā)放的貸款。
(2) Technical reconstruction loan
The loan designed for the technical reconstruction projects in the existing enterprises which focus on the expansion of reproduction by way of connotation.
(2)技術改造貸款
是用于現(xiàn)有企業(yè)以內涵擴大再生產為主的技術改造項目而發(fā)放的貸款。
(3) Technical development loan
The loan granted for research and development of new technologies and new products and conversion of technical results to production or application.
(3)科技開發(fā)貸款
是指用于新技術和新產品的研制開發(fā)、科技成果向生產領域轉化或應用而發(fā)放的貸款。
(4) Commercial expansion loan
The loan applied for by commercial, restaurant and service enterprise to bank for expanding their operation scopes, improving service facilities and increasing storage area.
(4)商業(yè)網點貸款
是指商業(yè)、餐飲、服務企業(yè)，為擴大網點、改善服務設施、增加倉儲面積等所需資金，在自籌建設資金不足時，而向銀行申請的貸款。
2. Annexation loan
The local and foreign currency loan designed for addressing the financing needs of the superior clients in their reform and reconstruction process for annexing and acquiring other domestic enterprises and undertaking units and established projects, as reconstruction of
assets and debts. Considering the particularity of this sort of loan, ICBC formulated special methods to standardize the approval and management of the loan. You can make inquiry to county-above sub-branches of ICBC for more information.
2. 并購貸款
針對境內優(yōu)勢客戶在改制、改組過程中，有償兼并、收購國內其他企事業(yè)法人、已建成項目及進行資產、債務重組中產生的融資需求而發(fā)放的本外幣貸款。鑒于該項貸款的特殊性，中國工商銀行制定了專門的辦法規(guī)范該類貸款的審批及管理，具體情況可向中國工商銀行縣支行以上機構咨詢?！ ?BR> 3. Foreign exchange transferred loan
The loan granted by foreign governments and financial organizations (loaner) to borrowers of our country which will be transferred to domestic banks first before its granting. Generally, this sort of loan has some preferential treatment, for example, lower interest rate and longer term. Target, purpose, amount, term and interest rate of the loan shall be determined by the loaner, with lower interest rate (0.2%- 0.3%, even no interest) and longer term (10-40 years with 2-15 years of grace period).
3. 外匯轉貸款
外國政府及金融機構（貸款人）向我國借款人提供并由國內銀行轉貸的貸款。該類貸款通常帶有一定優(yōu)惠，如利率較低，期限較長。該類貸款的對象、用途、金額、期限、利率等均由貸款人決定，通常帶有一定優(yōu)惠，如利率較低（一般在0.2％－0.3％，有的甚至為無息），期限較長（一般在10－40年間，并含有2－15年寬限期）。