The influence of fixed assets loan is one and one minus one

Positive: The overall efficiency of commercial banks will increase the negative: Some business Operation link cost will increase level: the enterprise obtains the loan threshold not to raise May 19, China CBRC promulgated "Fixed assets loan management interim measures" (hereinafter referred to as "the method") on-line solicit the opinion.　　The CBRC also said the scheme would give financial institutions a 6-month transition period. The official said that the "method" does not raise the threshold for enterprises to obtain loans, also does not change the credit conditions, deadlines, interest rates and so on, so the enterprise will not have the influence of the bank credit.　　But for the commercial bank, from the quantity to see will increase some business operation link the cost, but actually because of the loan quality enhancement, the loan loss reduction, overall also can raise the commercial bank the overall benefit. "Approach" advocates the concept of loan payment management, the method requires the lender should set up independent responsibility department or post, responsible for loan issuance and payment audit. The method also stipulates that the loan fund payment method is divided into "the trustee pays by the lender" and "the borrower pays independently" two kinds, and puts forward the concrete operation request.　　In fixed assets loans, a single sum of more than 5% of the total investment in the project, or more than 5 million yuan, the provisions of the principle requires the use of the borrower trustee payment.　　The head of the CBRC said this is the core of the approach, which is to supplement the current loan rules, with the aim of strengthening the management of loan use, tightening the loopholes of credit management, and increasing the operating cost of misappropriation of loans, so as to reduce the risk of misappropriation of loans. The scheme also requires the borrower to decompose all aspects of the loan process management, according to the principle of effective checks and balances, carry out the responsibilities of each link to specific departments and posts, and establish a clear accountability mechanism. These links mainly include: Acceptance and investigation, risk assessment and approval, contract signing, distribution and payment, after the loan management.　　The head of the CBRC said that by further strengthening the management of the whole process of scientific loan, the transformation of the extensive and refined loan management model would be helpful to improve the quality of loan issuance by commercial banks and enhance the effectiveness of loan risk management. In addition, the head of the CBRC said as the implementation of the method involves the adjustment of the credit business operation process of banking financial institutions, the "method" will give the banking financial institutions a six-month excessive period, mainly to improve and perfect the existing process and management system to meet the loan payment management, And the need for full process management.