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工程机械担保贷款,是指银行对在特约经销商处购买指定品牌工程机械的借款人发放的人民币担保贷款。 目前,在中国建设银行办理贷款的工程机械,仅指在工商管理部门注册的工程机械生产厂家生产的挖掘机、装载机、压路机、推土机及起重机等。“指定品牌”是指由工程机械生产厂家所在地一级分行,根据市场需求及银企关系向总行推荐,经总行确认后,以文件形式下达全行的具体品牌,也就是说办
Construction Machinery Loan secured refers to the bank guarantee loan issued by the bank to the borrower who buys the designated brand construction machinery at a special dealer. At present, construction machinery used by China Construction Bank to handle loans refers only to excavators, loaders, rollers, bulldozers and cranes produced by construction machinery manufacturers registered with the business administration department. “Designated brand” refers to the first branch of the locomotive where the construction machinery manufacturer locates, which is recommended to the head office according to the market demand and the relationship between bank and enterprise. After the head office confirms it, the specific brand of the bank is issued as a document, that is to say,