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Acceptance
All ICBC's county- and district-level sub-branches handling loan business and their corporate business departments (or marketing departments equivalent to corporate business departments) can accept application of borrowers for fixed assets loan. Generally, it is the client's bank of deposit that will accept and primarily review application of the client and submit preliminary opinions on the accepted loan.

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II. Primary auditing
Main contents reviewed at the primary review stage of fixed assets loan: subordinate bank's application report; document of approval to the project; proprietor's letter of application for loan; recent statements of borrowers; and project loan conditions.

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III. Appraisal
The loan project appraisal is generally organized and implemented by ICBC's credit appraisal departments. They will make a comprehensive and systematic appraisal on the loan as required by loan's 'tri-nature' principle, so as to provide an impersonal, impartial and accurate basis for loan decision-making by combining quantitative analysis with qualitative analysis. For that who needs the head office corporate business department to issue a letter of conditional commitment, the corporate business department should submit to the credit appraisal department for appraisal at the same time when issuing the letter of conditional loan commitment; for that who does not need the corporate business department to issue the letter of conditional commitment, the head office credit management department should submit to the credit appraisal department for appraisal.

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1. Basis of loan project appraisal:
(1) National industrial and overall arrangement policies, fiscal and tax policy, industrial development program, design standards and parameters for national & industrial feasibility study;
(2) Credit policy management provisions of the central bank and ICBC, and appraisal provisions & parameters of ICBC;

(3) Documents of approval to establishment of project issued by administrative governing

departments, project feasibility study report, and governing departments' demonstrative opinions;
(4) Materials relating to production and operation of the borrower;
(5) Central and local governments' regulations and provisions relating to municipal construction layout, environmental protection, fire control, security & health, transportation, labor protection and etc.

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(5) ÖÐÑëºÍµØ·½Õþ¸®ÓйصijÇÊн¨Éè¹æ»®¡¢»·¾³±£»¤¡¢Ïû·À¡¢°²È«ÎÀÉú¡¢ÔËÊä¡¢ÀͶ¯±£»¤µÈÓйط¨¹æºÍ¹æ¶¨¡£

2. Essential conditions for the appraisal
(1) It accords with national industry and product overall arrangement and procedures for examination and approval of investment project, and the feasibility study has passed demonstration of authoritative departments;
(2) It accords with national industry overall arrangement policy, fiscal and tax policy, industry development program and design standards and parameters of national & industrial feasibility study;

(3) It accords with credit management provisions of PBOC and ICBC, and appraisal parameters of ICBC;
(4) The borrower's major financial indicators, sources and proportions of project capital accord with provisions of the state and ICBC;

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(2) ·ûºÏ¹ú¼Ò²úÒµ²¼¾ÖÕþ²ß¡¢²ÆÕþË°ÊÕÕþ²ß¡¢ÐÐÒµ·¢Õ¹¹æ»®ÒÔ¼°¹ú¼ÒºÍÐÐÒµµÄ¿ÉÐÐÐÔÑо¿Éè¼Æ±ê×¼ºÍ²ÎÊý£»

(5) Having the following basic data:

a. The borrower's business license, articles of corporation, loan certificate, and letter of application for loan.

b. The borrower (promoter)'s original of recent three years' audited report and attached balance sheets, income statements and cash flow statements and their notes.
c. The borrower's current liabilities checklist and credit standing.
d. Official and written reply to establishment of project issued by governing departments, project feasibility study report, official and written reply to project issued by environment protection departments and other governing departments, and demonstrative conclusions of authoritative departments.

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3. Scope of appraisal
Any projects applying for no less than RMB 5 million fixed assets loan or no less than $1 million foreign exchange loan from ICBC should be appraised; any S&T development loan should be appraised in principle regardless loan amounts; additional loan amounts exceeding 30% of the former loan commitment should be reappraised. But any loans in accordance with any of the following conditions may not be appraised as long as a loan survey report is provided.

(3) Especially authorized by the loan review committee having corresponding authority.

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(2) ÒÔ´æ¿î¡¢¿ÉתÈùú¼Òծȯ»ò½ðÈÚȯȫ¶îÖÊѺµÄÏîÄ¿´û¿î£»¡¡¡¡

IV. Checkup and approval
After completion of the project loan appraisal report, the appraisal & advisory department should conscientiously review the appraisal report, and submit to the credit management department and the credit policy committee in the form of departmental documents; the credit management department will checkup and approve the loan according to the appraisal report and other data.

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V. Joint assessment
It means a project loan needing to follow a special loan procedure of relevant departments' synchronous appraise and review on the credit business that should be considered by the credit approval center's credit review meeting & credit policy committee and approved by head office leaders after relevant head office business departments respectively bring forward and submit primary review, appraisal, review and credit opinions according to prevailing assessment procedures. In principle, the credit businesses applicable for joint assessment are limited to the following several categories:
1. Strong time-effective credit business applied by 300 key and high quality clients, which are determined by head office;
2. Infrastructure projects with good market potential and severe competition;

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3. Grant ICBC to participate in bidding for project equipment and engineering and etc.;
4. Guarantee provided to any a third party if any before paying off all the ICBC loans should acquire agreement of ICBC;
5. Combination, split, joint venturing, remolding with the stock system and other property right changes or contract, lease and other operating mode changes occurring during the period of loan contract performance if any should acquire agreement of ICBC in advance, and be implemented only after having settled loan liabilities and provided relevant guarantee.

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