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中国人民建设银行经办的长期贷款,按照贷款性质和用途的不同,规定了不同的贷款期限和利率。贷款期限从2年到15年不等。贷款利率分月息和年息两种,月息从二厘一到四厘二,年息从二分四到三分六。为了使贷款单位按期还清贷款,有关办法还分别规定了奖惩办法。例如,基本建设贷款提前还清以后,在规定的期限内,用于归还贷款的应缴预算资金,可以按规定的比例留成(作为企业基金);有的贷款逾期后,则要提高利率。因此,建设银行和贷款单位都应当正确计算每笔贷款的还款期和平均每年(月)还款的数额,以利于严格执行奖惩办法,促使企业按期或提前还清贷款,以加速资金周转,提高经济效果。
Long-term loans handled by the People’s Construction Bank of China stipulate different loan terms and interest rates depending on the nature and purpose of the loan. Loan terms range from 2 years to 15 years. Loan interest rates are divided into monthly interest rates and annual interest rates, with monthly interest rates ranging from 2% to 4%. The annual interest rate ranges from two points to three points and six points. In order to enable loan units to pay off loans on schedule, the relevant measures also stipulate the rewards and penalties separately. For example, after the capital construction loan is repaid in advance, within the prescribed time limit, the budgetary funds required to repay the loan can be retained in the prescribed proportion (as a corporate fund); if some loans are overdue, the interest rate will be raised. Therefore, both the repayment period of each loan and the average (monthly) repayment amount of each loan should be calculated correctly by Construction Bank and loan institutions in order to facilitate strict implementation of rewards and punishments and encourage enterprises to pay off loans on schedule or in advance so as to speed up cash flow, Improve economic performance.