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银行发放固定资产贷款包括基本建设贷款、更新改造贷款和设备贷款,事前都要考核贷款项目的经济效果,以保证及时、足额地收回贷款本息和提高项目的国民经济效果。贷款项目的经济效果有两类,一类是项目的贷款经济效果,另一类是项目的投资经济效果。两者的区别,有以下几点: 一、考核的目的不同考核贷款效果的目的在于预测贷款项目的还款能力,判断是否能够按照贷款合同规定的期限收回贷款的本金和利息。凡是能够按照贷款合同规定的期限足额收回贷款本息的贷款项目,其贷款效果就是好的,
Loans for fixed assets issued by banks, including capital construction loans, renovation loans and equipment loans, must be checked in advance for the economic effects of the loans to ensure timely and full recovery of the loan principal and interest and to enhance the national economic performance of the project. There are two types of economic effects of a loan project, one is the economic effect of the loan of the project, and the other is the investment economic effect of the project. The difference between the two is as follows: First, the purpose of the assessment The purpose of the different assessment loans is to predict the repayment ability of the loan project and to determine whether the principal and interest of the loan can be recovered in accordance with the deadline set forth in the loan contract. Any loan project that can fully repay the loan principal and interest in accordance with the deadline set forth in the loan contract will have a good loan effect,