What is a fixed asset loan? Question 1: What is a fixed asset loan?

What is a fixed asset loan?

Fixed asset loans are loans issued by banks to meet the capital needs of enterprises for fixed asset investment activities. They are mainly used for medium and long-term principal loans for the construction, purchase, and renovation of fixed asset projects and the construction of corresponding supporting facilities.

1. Scope of involvement Enterprise fixed asset investment activities include: capital construction, technological transformation, development and production of new products and other activities, as well as related house purchase, engineering construction, technical equipment purchase and installation, etc.

2. Loan Characteristics Compared with general short-term loans, fixed asset loans have the following characteristics.

1. Long loan period Fixed asset reproduction activities, compared with the production activities of general products, are characterized by large size and long production cycle.

Therefore, the loan period of fixed asset loans is also longer than that of general short-term loans.

2. Dual planning. Fixed asset loan projects must not only be included in the national fixed asset investment plan and meet construction conditions, but must also be subject to the fixed asset loan scale determined by the credit plan.

3. Management continuity: The supervision and management of general working capital loans are limited to the production or circulation process, while fixed asset loans not only need to be managed during the construction process, but also need to be managed after the project is completed and put into production until all principal and interest are paid off.

Question 2: What is a fixed asset loan? A fixed asset loan is a loan issued by a bank to target the different capital needs of enterprises such as fixed asset purchase, technological transformation, technology introduction and technology development.

Banks issue fixed asset loans in the form of credit to provide funding needs in the process of updating and transforming fixed assets. They give full play to banks' leverage role in promoting economic development and high-tech development and application, which are of great significance to promoting the development of the national economy and accelerating modernization.

effect.

To put it simply, fixed asset loans are loans issued by banks to meet the funding needs of enterprises’ fixed asset investment activities. They are mainly used for the construction, purchase, and renovation of fixed asset projects and the construction of corresponding supporting facilities.

Hope to adopt question three: What are "fixed asset loans and working capital loans"?

According to the different uses of loan funds, loans can be divided into fixed asset loans and working capital loans.

Fixed asset loans are loans issued by banks to meet the capital needs of enterprises for fixed asset investment activities. They are mainly used for medium and long-term principal loans for the construction, purchase, and renovation of fixed asset projects and the construction of corresponding supporting facilities.

Enterprise fixed asset investment activities include: capital construction, technological transformation, development and production of new products and other activities, as well as related house purchase, engineering construction, technical equipment purchase and installation, etc.

Working capital loans are loans issued to meet people's short-term capital needs in the production and operation process and ensure the normal progress of production and operation activities.

According to the loan term, it can be divided into short-term working capital loans with a term of less than one year and medium-term working capital loans with a term of one to three years.

As an efficient and practical financing method, working capital loans have the characteristics of short loan period, simple procedures, strong turnover and low financing cost.

Question 4: What is a fixed asset loan? Your understanding is correct.

In addition, generally speaking, project financing is a complete project, that is, it can form complete production capabilities and generate income. Therefore, the object of project financing is generally a new independent legal person or accounting unit.

Fixed asset loans include a wider range of loans, which can be infrastructure loans or technological transformation loans, or even include the renovation or update of a certain part of the production line, the addition of new production capacity, etc.

Therefore, fixed asset loans can examine the overall repayment ability of the borrower, while project financing generally pays attention to the repayment ability of the project itself, and of course does not exclude other secondary sources of repayment such as mortgages and guarantees.

Generally speaking, loan amounts are larger for project finance.

For example, highways, airports, power grids, power stations, nuclear power, reservoirs, etc. usually use project financing, while single equipment purchases generally use fixed asset loans.

Fixed asset loans are a big concept, and project financing is a part of it.

Question 5: Basic introduction to fixed asset loans 1. Loan currencies: There are two types: RMB and RMB.

2. Loan term: The loan term is mainly based on the borrower's production and operation cycle, project construction needs, repayment ability and the bank's credit balance capacity, etc., and is determined by both parties through negotiation.

Generally no more than 5 years.

3. Loan interest rate: The medium- and long-term loan interest rate issued by the People's Bank of China will be implemented. The interest rate will be fixed for one year according to the loan contract, that is, within one year from the effective date of the contract, it will be based on the interest rate agreed in the loan contract, and it will remain unchanged if the interest rate is adjusted;

After the year, the interest rate will be adjusted according to the prevailing interest rate and a new interest rate will be implemented.

Compared with general short-term loans, fixed asset loans have the following characteristics.

1.

Fixed asset reproduction activities with long loan terms are larger in size and have a longer production cycle than the production activities of general products.

Therefore, the loan period of fixed asset loans is also longer than ordinary short-term loans.

2.

Dual planned fixed asset loan projects must not only be included in the national fixed asset investment plan and meet construction conditions, but must also be subject to the fixed asset loan scale determined by the credit plan.