According to Article 36 of the General Principles of Loans, after receiving the loan application, the lender shall simultaneously review one or more of the following situations: all kinds of information provided by the borrower; The borrower's financial situation, cash flow, historical repayment records and other non-financial factors, to assess the borrower's repayment ability; Evaluate the borrower's credit rating. According to the borrower's personnel quality, economic strength, financial situation, performance records, operating benefits and development prospects, the borrower's credit rating is assessed.

Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. The quality and legal effect of the guarantee; When issuing corporate loans, it is necessary to strictly examine the borrower's assets and liabilities and predict the borrower's cash flow.

When issuing project loans, it is necessary to evaluate the future cash flow forecast, pledge, mortgage, guarantee or insurance of the loan project, and strictly review the project proposal and feasibility study report of the loan project; When granting loans to affiliated enterprises, the assets and liabilities, financial status, external guarantees and mutual insurance between affiliated enterprises should be uniformly evaluated and reviewed.

Extended data:

Provisions on relevant requirements for raising good loans:

1. The loan transferee must be a financial institution approved by the the State Council Banking Regulatory Authority to engage in loan business. In addition, the loan transfer must be approved by the the State Council Banking Regulatory Authority.

2. Lenders of syndicated loans shall sign an agreement to clearly define the rights and obligations among the lead party, agent and participants, or stipulate in the loan contract.

3. When the borrower intends to undertake major matters such as contracting, leasing, joint venture, merger (merger), cooperation, division, equity transfer, shareholding system reform, foreign investment, etc., which may have a greater impact on the normal repayment of the loan, it shall notify the lender in writing in advance.

Baidu encyclopedia-general rules for loans