Fuzhou High-tech Zone banking institutions to draw loan pressure loan suspension early reporting system

In order to increase the stabilization of enterprises to ease the work, improve the quality of financial services to the real economy, according to the relevant requirements of the province and the city, the district combined with the actual, the establishment of banking institutions to draw the loan pressure loan suspension early reporting system, specific as follows:

First, the content of the report

(a) Drawing the loan. Drawing loans refers to the original collateral security does not weaken the premise of the bank loan to the enterprise, before the repayment period stipulated in the agreement, the bank believes that the enterprise business problems, early recovery of the loan behavior. The bank intends to recover the outstanding loan of more than 5 million yuan at one time for a single enterprise and the reasons need to be reported in advance.

(ii) pressure loan. Pressure refers to the original collateral security does not weaken the premise, the bank agreed to give the enterprise is about to expire loan renewal, but the renewal of the loan compression part of the amount or request to increase the renewal of the threshold behavior. Banks in the renewal of loans to a single enterprise  a one-time compression of more than 500,000 yuan of loans or a single 500,000 yuan of loans to improve the renewal conditions and the reasons need to be reported in advance.

(C) stop loans. Suspension refers to the original collateral security is not weakened under the premise that the bank has been committed to the enterprise due to renew the loan, but the enterprise has not renewed the loan after repayment of the behavior. Banks on a single enterprise to recover loans of more than 5 million yuan and commitment to renew loans but failed to renew the loan, the need to report the situation and the reasons in advance.

Second, the report time

Banks should strengthen loan management, the establishment of the enterprise loan project list system, in the proposed to take on the enterprise to draw loans, pressure loans, stop loans within 30 days before the report.

Third, the reporting process

(a) Banks take the initiative to report

Banks intend to draw loans, suspend loans amounting to more than 5 million yuan or more than 500,000 yuan of pressure loans, the branch outlets to the District Finance Bureau to report in writing and fill out the "Drawing Loans, Loan Pressure Loans, Suspension of Loans Reporting Form" (see annex).

For key risk enterprises that have set up creditors' committees, banks should report to each member of the creditors' committees at the same time before they intend to draw loans, press loans, or stop loans.

(B) the enterprise independent report

The enterprise intends to be drawn by the bank, pressure loans, stop lending, the enterprise can be directly feedback to the District Finance and Financial Bureau or business supervision departments.

Fourth, the task of division of labor

(a) Finance and Banking Bureau. 1. Play the role of government, banks and enterprises to communicate "bridge" role in accepting the bank pumping, pressure loans, loan suspension report. Upon receipt of the bank's report, it should immediately verify the reasons for the bank to draw loans, pressure loans, stop loans. 2. Monthly report on the district enterprises were bank draw loans pressure loans stop loans. 3. Promptly coordinate with the relevant departments.

(2) District business supervision department. 1. play the role of business supervision department, strengthen the district industry and enterprise analysis and judgment, focus on strengthening the district key industry private enterprise concern, for "enterprise policy" to provide accurate basis. 2. with the Finance Bureau to do a good job in the verification, coordination, communication work. 3. accept the enterprise Reflecting the bank's malicious draw loans, pressure loans, loan suspension, timely feedback to the District Finance Bureau to discuss and coordinate.

(C) Banks. 1. conscientiously implement the relevant requirements of the province and city, do not arbitrarily draw loans, pressure loans, do not engage in "one size fits all", do not raise the threshold for renewal of loans, to maintain a smooth and orderly credit. 2. strictly in accordance with the requirements of this notice, to draw loans, pressure loans, stop loans reported in advance. 3. actively cooperate with the District Finance and Financial Services Bureau and the business supervision department. The company's business is to provide the best possible service to its customers.

(d) enterprises. 1. play the main responsibility to seriously implement the requirements put forward by the province and city. 2. accept to help enterprises to establish a sense of good faith, timely and proactive to the creditor banks to provide real liabilities and financial and other information. 3. accept to help enterprises to commit to do not appear to draw capital, transfer of property, such as the behavior of the bank debt evasion.

V. Other Matters

(a) In order to ensure that the responsibility is carried out to the person, each relevant department should designate a person as a rapporteur, specifically responsible for reporting matters.

(ii) The object of this system to draw loans, pressure loans, stop loans identified the following prerequisites: First, the enterprise's production and operation is normal, and can normally pay interest, there is no malicious debt evasion motives and behaviors; Second, the borrowing enterprise and its actual controller is not involved in major lawsuits, there is not included in the defaulted loans. Secondly, the borrowing enterprise and its actual controller are not involved in major lawsuits, not included in the list of bad faith and other major risks; thirdly, in line with the national macro-control policies, regulatory policies, and not involved in sensitive high-risk areas of the loan.

(3) The enterprise's initiative to return or negotiate with the bank to reach a consensus on repayment is not included in the scope of the report.

(d) This system will be effective for three years from the date of publication and will be interpreted by Fuzhou Hi-tech Zone Finance Bureau.

(E) the contact information of the departments:

District Finance and Finance Bureau, contact: Xiong Weihong, contact phone: 13635285949

District Business Bureau, contact: Visions of Huang, contact phone: 13860608428

District Economic Development Bureau, contact: Xu Chang, contact phone: 18760411562 & nbsp;

District Market Supervision Bureau, contact: Zou Hongliu, contact phone: 18005916899