Chapter 1 General Provisions Article 1 In order to properly manage and utilize special gold and silver loans, promote the development of gold and silver production, improve the efficiency of fund use, and meet the requirements of scientific, standardized and targeted management of special gold and silver loans, according to the "People's Bank of China"

"Interim Measures for the Administration of Special Loans", these interim regulations are specially formulated.

Article 2 The People's Bank of China shall issue special gold and silver loans in accordance with relevant national guidelines and policies and adhere to the principle of "assessment first, loan second, plan management, and granting the best".

No unit or individual may force a bank to grant a loan or prevent a bank from recovering an expired loan for any reason.

Article 3: The People's Bank of China shall arrange funds for special gold and silver loans, implement special funds for special purposes, and carry out special management.

Chapter 2 Types and Purposes of Loans Article 4 Special gold and silver loans are mainly used for gold and silver fixed asset investment projects. Loans are divided according to their purposes into "gold and silver infrastructure loans", "gold and silver technical transformation loans" and "gold and silver basic construction loans".

Construction Equipment Reserve Loans.”

Article 5 "Gold and silver infrastructure loans" (hereinafter referred to as infrastructure loans) are mainly used for new construction, continuation and expansion of gold and silver mines, gold and silver smelting plants and other projects to expand gold and silver production capacity (or increase project benefits).

Article 6 "Gold and Silver Technical Transformation Loans" (hereinafter referred to as "Technical Transformation Loans") are mainly used to support the technological transformation (including the renewal of fixed assets) of existing gold and silver mines, gold and silver smelters, and supporting auxiliary production facilities.

and other projects.

Article 7 "Gold and Silver Capital Construction Equipment Reserve Loans" (hereinafter referred to as reserve loans) are mainly used for capital construction loans for large and medium-sized equipment ordered in advance for multi-year projects by Gold and Silver Capital Construction Units that will be installed in the next year due to arrival in the current year.

Chapter 3 Loan Objects and Conditions Article 8 All gold and silver mining enterprises owned by the whole people or collectively owned and approved by the state that are registered with the industrial and commercial administration department, have legal person status, practice independent accounting, and can assume economic responsibility

When construction units have insufficient construction funds, they can apply for special gold and silver loans from the local People's Bank of China.

However, the following conditions must be met: 1. The loan project must have an approved project proposal, feasibility study report (or design brief), preliminary design and other relevant documents, and be included in the gold and silver fixed asset investment plan for the year; 2.

The geological resources of the project must be reliable.

The geological reserves of large and medium-sized construction projects must be approved by the National Reserve Committee or the Provincial Reserve Committee, and the exploration level should reach C level or above; small construction projects with a scale of 100/200 tons/day should have a geological exploration report approved by the Provincial Reserve Committee.

Among them, C-level reserves should account for 30%; if the reserves are below 100 tons/day (excluding 100 tons/day), a detailed investigation report must be submitted by the geological department. In principle, the exploration level of its geological reserves should reach C-level or C+D level;

Class D reserves cannot be used as a basis for design.

3. The relevant construction procedures for the loan project are complete, the construction force, equipment, raw materials, and fuel required for the construction project are guaranteed, the "three connections and one leveling" work is basically completed, the environmental protection measures are reliable, and the supporting conditions for the supporting projects have been implemented; 4.

In the investment of loan projects, all sources of construction funds must be ensured, and self-raised funds (including development funds) must not be less than 30% of the total investment of a single project, and sufficient loan interest and basic working capital after completion and commissioning must be provided; 5. For long-term loans

For projects, the handling bank must investigate the amount, term, etc. of the enterprise's loans from other banks; 6. The loan project must be evaluated by the People's Bank of China or a qualified consulting company entrusted by it, and the source of funds for returning the principal and interest of the loan must be confirmed; 7. There must be

A legal person with certain financial capacity guarantees the loan, and the Gold Corporation and the Nonferrous Metal Industry Corporation bear overall responsibility for the loans for construction projects in the industry; Chapter 4 Loan term and interest rate Article 9 Loan term, the first loan is issued from the bank

The date of the loan ends when the enterprise repays all the principal and interest of the loan.

The maximum loan period for infrastructure construction shall not exceed three years for small projects, and generally shall not exceed five years for large and medium-sized projects. For individual projects with long construction period and good economic benefits that really need to extend the loan period, the maximum loan period shall be no more than three years after approval by the provincial branch.

More than seven years.

The maximum term of a technical renovation loan shall not exceed three years.

The equipment reserve loan term is one year.

Article 10 The loan interest rate shall be based on the gold and silver special loan interest rate for the same period.

Article 11: Interest calculation method: From the date of the loan, interest is settled annually for infrastructure loans and revolving loans, and interest is settled quarterly for technological transformation loans.

In the event of an interest rate adjustment, interest will be collected using a segmented interest calculation method.

Chapter 5 Compilation and Approval of Loan Plans Article 12 Loan application projects must be included in the national or regional gold and silver fixed assets investment plan, and can only be included in the loan plan after the People's Bank of China has reviewed, evaluated and agreed to provide loan support.

For large-scale gold and silver production and construction projects that require national approval, when submitting a feasibility report to the State Planning Commission, a copy of the approved project proposal and loan application form (Annex 1) should be sent to the Head Office of the People's Bank of China and the provinces and autonomous regions.

Branches in , municipalities directly under the Central Government and cities under separate state planning (hereinafter referred to as branches) shall be evaluated by the head office or a branch entrusted by the head office.

For small and medium-sized gold and silver production and construction projects, the branch shall organize relevant branches and sub-branches to conduct evaluations.

Article 13. Approval procedures for loan plans.