省农村信用社经营性收费权质押贷款管理办法
第一章 总则
为规范经营性收费权质押贷款业务的操作，防范经营风险，根据国家法律法规和《省农村信用社公司类贷款管理办法》等相关规定，制定本办法。
第二章 贷款对象与条件
经营性收费权质押贷款是指以经营性收费权为抵押发放给符合条件的借款人的贷款。
借款人应当是收费许可证或收费批准文件中所记载的享有收费权利的收费主体，原则上应为经营性企业法人。同时，借款人应具备必要的组织机构、经营管理制度和财务管理制度，有固定经营场所，合法经营，效益较好，持有人民银行核发的贷款卡且年检合格，信誉良好，具备履行合同、偿还债务的能力，无不良信用记录，并从事符合国家法律、法规及相关产业政策的生产经营活动。此外，借款人还应在贷款人处开立基本账户或一般账户。
质押的收费权应满足以下条件和要求：必须依法设立并具备合法的收费依据，由县级以上人民政府主管部门按行政审批程序依法审查批准，下发批准文件或颁发收费许可证的收费权。收费项目、收费额度、收费期限应符合批准文件和管理要求。未经批准而自行设立的收费项目不得设定质押。收费权可依法转让，但以公益为目的而设立的收费项目，国家机关、事业单位、代行政府职能的社会团体及其他组织在实施社会公共管理和特定公共服务过程中收取的行政管理费用，收费收入纳入财政预算或具有特定用途的，不宜作为贷款融资的担保。出质人应符合法律及相关管理要求，具有法人资格，与收费许可证或收费批准文件等所记载的收费权主体一致。未经授权的法人分支机构及国家机关、以公益为目的的事业单位、社会团体不能为出质人。收费权质押应按《物权法》、《应收账款质押登记办法》以及《XXX应收账款质押登记操作规则》的要求，在XXX的应收账款质押登记公示系统办理电子登记。
Chapter 3: Loan Purpose。Amount。Term。Interest Rate。and Repayment Method
Article 7: Operating fee pledge loans can be used for the enterprise's required working capital or fixed asset investment.
Article 8: The loan amount should XXX of fee e。as well as the necessary infrastructure m
aintenance and public service expenses of the pledger。XXX。Among them。the amount of the n for working capital loans should not exceed the average annual e of the past three years.
Article 9: The loan term should be XXX。the loan term should be controlled within half of the remaining XXX.
Article 10: The loan interest rate should be XXX range based on the loan benchmark interest rate set by the People's Bank of China。and can be fixed or floating.
XXX with a term of more than one year。the equal XXX.
Chapter 4: Loan Acceptance。n。and Approval
Article 12: XXX lender。XXX:
农村信用社开户行查询1) XXX;
2) XXX;
3) XXX;
4) Other XXX.
Article 13: XXX。XXX。ns。and XXX "Provincial Rural Credit Cooperatives Company Loan Management Measures," the following contents should also be XXX:
1) XXX;
2) XXX。For the fee right that has been guaranteed for other creditors。unless the XXX amount of the fee right project are much greater than the guaranteed debt amount。the fee right pledge as the second rity XXX;
3) XXX。ns。and relevant management departments。XXX。That is。before the pledge n。XXX。XXX charge。the amount of dic disbursement should also be clearly specified;
4) The borrower's financial management status。overall financing n。XXX e to the total e。the fee n method。the n of each d's fee e n。whether there is a long-term arrears of fee
s。and whether it XXX full XXX's daily operating costs。necessary infrastructure maintenance and public service expenses should also be taken into account.
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