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由于商业银行流动资金贷款的准入门槛较固定资产贷款或项目贷款低,目前企业使用比较普遍,因此监管部门对《流动资金贷款管理暂行办法》(以下简称《办法》)执行情况的关注度较高。一、《办法》对原信贷管理制度在新形势下的缺失进行了补充和完善,具有积极意义《办法〉在审慎确定借款人的流动资金贷款授信总额与具体贷款的额度、贷款用途、借贷双方合同约定事项、流动资金贷款资金的支付管
As the access threshold of working capital loans to commercial banks is lower than that of fixed assets loans or project loans, the current use of enterprises is relatively common. Therefore, regulators pay more attention to the implementation of the Interim Measures for the Management of Working Capital Loans (hereinafter referred to as “the Measures”) high. First, the “measures” to the original credit management system in the absence of the new situation has been supplemented and improved, with positive significance "approach> carefully determine the borrower’s total working capital loans and credit lines with the specific amount of loans, loans, both parties Contractual stipulations, payment and management of working capital loan funds