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人民银行各分行、营业管理部、金融监管办事处,各国有独资商业银行:为加强国有独资商业银行1998年以前按指令性计划发放的固定资产贷款的管理,统一贷款质量认定标准,现就有关问题通知如下:一、贷款涉及的项目正常建设或投产,能够按期支付利息,同时原贷款到期能够归还本金30%以上的,对暂未归还的贷款,到期(含展期后到期)时可以转为中短期贷款,其中,短期贷款期限不超过1年,中期贷款期限不超过3年。二、贷款涉及的未建成项目继续建设,预计投产(使用)时不会发生停产和贷款损失,对这一类到期(含展期后到期)未归还的贷款,允许重新贷款归还部分或全部贷款,但重新贷款只能一次,而且期限不超过3年。
PBC branches, business management department, financial supervision office, and all state-owned commercial banks: In order to strengthen the management of fixed assets loans issued by state-owned commercial banks before the 1998 according to the mandatory plan, and to unify the criteria for determining the quality of loans, The notice of the problem is as follows: I. Loans involved in the normal construction or operation of the project, be able to pay interest on schedule, while the original loan maturity to return more than 30% of the principal, the loan yet to be repaid, due (including expiration date) Short-term loans can be converted to short-term loans, of which, short-term loan period of not more than 1 year, medium-term loan period of not more than 3 years. Second, the loans involved in the construction of non-completed projects is expected to put into operation (use) will not stop production and loan losses, for this category of loans due (non-postponement of maturity), to allow the repayment of some or all of the loan Loans, but refinancing only once, and the deadline of not more than 3 years.