XLS《利率定价表》

"附表2:" "会昌农商银行贷款利率定价表",,

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, "借款人",,

,"身份证号码(法人代表)",,

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"近四个季度日均存款数据",,

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, "账户名","账号","与借款人关系","第一季度","第二季度","第三季度","第四季度","近一年日均存款" ,,

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, "参考项目",,

"浮动比例及依据",,

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"信贷产品及标准上浮比例( "存款贡献度(资金归行率) "存款贡献度(资金归行率)变动浮动比例( "信用记录变动浮动比例( "特殊变动浮动比例( "客户特殊贡献情况",,

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, "综合浮动比例( "存量授信额度(万元)",,

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"存量贷款余额",,

, "本次借款金额(万元)",,

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"拟执行浮动比例",,

, "承贷办理机构意见",,

"经办人:网点负责人:年月日",,

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, "三农事业部审查意见",,

"审查人签字:部门经理签字:年月日",,

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, "贷款审批委员会意见",,

"主任委员签字:年月日",,

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, "审定人意见",,

"审批人签字:年月日",,

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, "审定人意见",,

"审批人签字:年月日",,

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, "此利率调整审批权限参照信贷审批权限执行,如要呈报贷审会审议的,填报贷审会审议意见,经对应有权人签字后予以执行.

"附件2: "会昌农商银行2018年度贷款利率定价表" ,,

"信贷产品标准上浮比例"特别规定",,

"项目",,

"信用",,

"保证",,

"抵押",,

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,"质押",,

,"按揭类(二手房参照执行)",,

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"存款贡献度3%(含)以下的","存款贡献度3%(不含)-5%(含)","存款贡献度5%(不含)-7%(含)","存款贡献度7%(不含)-20%(含)","存款贡献度20%(不含)-30%(含)","存款贡献度30%(不含)-50%(含)","存款贡献度50%(不含)-100%(含)","存款贡献度100%(不含)-200%(含)","存款贡献度200%(不含)以上","信用记录变动浮动比例",,

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"特殊变动浮动比例" 借款人及配偶近两年内贷款本息、信用卡累计逾期3次(含)以内的",,

"存在重大不良信用记录的(累计逾期次数6次以上的)",,

"展期贷款","转贷(未还本借新还旧) ,"农户小额信用贷款、城镇居民小额信用贷款","个人综合消费贷款、诚商信贷通","文明信用农户贷款","普通保证","联保、信用共同体贷款","商用房/普通住房抵押贷款","存量划拨房产、土地、厂房、办公楼及附属建筑物、在建工程等抵押贷款","林权\果权\船舶\机器设备、专利权等贷款","其他合法类财产抵押贷款","农民住房财产权抵押贷款","本行存单质押贷款","存量股权质押贷款","存货、应收账款、收费权质押贷款","首套住房按揭贷款","二套住房按揭贷款","商铺按揭贷款","汽车消费按揭贷款"借款人及配偶近两年内贷款本息、信用卡累计逾期3-6次(含)的",,

"企业贷款贷款本息逾期的",,

,"分期按揭方式还款的","个人客户夫妻双方首次在我行贷款的","文明信用村内的农户小额信用贷款每增加一个星级","客户抵押贷款用他人抵押物作为抵押担保的","客户资产负债率大于60%的","拓展的竞争性且首次贷款的大客户(100万元以上","国家或地方宏观调控行业类贷款","国家限制性产业的贷款(存量逐步退出的贷款),如"两高一剩"、产能过剩等行业","特殊贡献(经总行贷审会审议通过的特殊贡献客户)" "浮动比例%","50","60","30","60","60","40","60","70","70","30","0","20","50","15","20","30","20","上浮20%","上浮15%","上浮10%","执行标准上浮比例","下浮10%","下浮15%","下浮20%","下浮30%","下浮40%","上浮5%","上浮10%","不受理","上浮5%","按新的期限档次套算且不得低于原贷款利率,上调5个百分点","上浮10%","下浮10%","下浮10%","每星下浮5%","上浮5%","上浮10%,以后累计每增加10%再上浮10%","下浮10%","贷款利率不得低于基准利率的1.6倍","贷款利率不得低于于基准利率的1.8倍","经贷审会集体审议同意且经审定的,但执行利率最低不低于基准利率" "注: