固定资产处置操作流程

固定资产处置操作流程 资产处置中的固定资产处置的操作流程 目录: 第一部分:资产处置的基本概念 第二部分:房产的正常交易过户及司法裁定过户的概念、业务流程及 相关注意事项 第三部分:房产抵押流程及注意事项 第四部分:附件 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 第一部分:资产处置的概念 概述 资产处置，是指资产占用单位转移、变更和核销其占有、使用的资产部分或全部所有权、使用权，以及改变资产性质或用途的行为。资产处置的主要方式有:调拨、变卖、报损、报废以及将非经营性资产转为经营性资产。 资产处置范围 资产处置的范围按资产形态可划分为:股权类资产、债权类资产和实物类资产; 资产处置方式 资产处置的主要方式有:调拨、变卖、报损、报废以及将非经营性资产转为经营性资产等。 资产处置方式按资产变现分为终极处置和阶段性处置。 终极处置主要包括破产清算、拍卖、招标、协议转让、折扣变现等方式; 阶段性处置主要包括债转股、债务重组、诉讼及诉讼保全、以资抵债、资产置换、企业重组、实物资产再投资完善、实物资产出租、实物资产投资等方式。 此处仅讨论房产的正常交易过户与司法裁定过户的相关问题。 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 第二部分房产的正常交易过户及司法裁定过户的业务流程 1.房产正常交易过户的概念及流程: 房产的正常交易过户是指在平等主体间以真实合法有效的意思表示订立买卖 合同 劳动合同范本免费下载装修合同范本免费下载租赁合同免费下载房屋买卖合同下载劳务合同范本下载 继而成交的过程。 1.1房地产买卖双方达成购买意向后应对买卖双方提供的资料进行审核(进行尽职调查)，审核内容如下: (1)、当事人提供的材料是否合法、有效; (2)、房地产的权属是否清楚，有无权属纠纷或他项权利不清的现象，是否属于《房地产转让办法》规定不得转让的范围; (3)、房产交易 申请 关于撤销行政处分的申请关于工程延期监理费的申请报告关于减免管理费的申请关于减租申请书的范文关于解除警告处分的申请 书填写的内容与提供的材料是否一致、无误; (4)、受让人按规定是否可以受让该房地产; (5)、买卖的房地产是否已设定抵押权; (6)、买卖已出租的房地产，承租人是否放弃优先购买权; (7)、买卖共有的房地产，共有人是否放弃优先购买权; (8)、房地产交易管理机构认为应该审核的其他内容。 (其中注意的细节是关于房子状况的详细约定。了解房屋的准确面积，房屋的内部结构和装修水平以及房子的质量是否有问题。 由于有些房子年代比较久，有时会出现所售房屋实际面积与产权证上注明的面积不符，比如当时测绘的误差、某些赠送面积等。所以合同中约定出售房屋的面积应以现在的产权证上注明的为准，其他面real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 积都不该计算在内。屋内的设施也要实际查看核对,有些房产可能会出现土地证与房产证坐落不符的现象应在过户之前到当地派出所开具证明到房地局做变更以免延误过户时间。) 1.2尽职调查之后双方应当签订房地产买卖合同，合同文本可以使用房屋土地管理局制定的示范文本，也可使用自制合同(自制合同须符合当地房管部门的要求)，提交市、区、县房地产交易管理机构受理过户申请。 1.3办理房屋产权过户的手续双方应向房管局提交如下资料办理房产证: 1 、房屋所有权证; 2 、买、卖房屋申请表; 3 、房地产买卖契约; 4 、税收完税证明(一般所缴纳的税费有契税一般是房价的1.5%和印花税0.05%，如果土地是划拨的,还要缴纳土地转让金(当地政府确定的地价的3%),若土地是转让的,就不须缴纳。此外转让房产是写字楼还需缴纳公共维修基金。); 5 、营业执照; 6 、法定代表人资格证、身份证、委托书; 7 、受托人身份证或合法有效身份证件、印章; 8 、受让人身份证及合法有效身份证件; 9 、属全民单位房地产过户的，须提交上级主管部门同意买卖的证明;属集体单位或股份制单位房地产过户的，须提交职代会或董事会同意买卖证明; 10 、房产证原件。 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 1.4取得房产证后如不是整栋楼过户的须到当地土地局指定的测绘部门进行土地测绘部门进行土地分割，然后持以下材料递交当地土地局办理土地证。 1国有土地使用权转移登记申请书 2《国有土地使用证》 3转让合同 4董事会或股东会同意土地出让的证明 5法人身份证(复印件) 6年检后的营业执照副本及组织机构代码证(涉及第三人的第三人也 需提供) 7法人证明书 8委托 授权书 网站备案授权书下载肖像授权书文档下载肖像授权书下载歌曲授权书模板下载销售授权书免费下载 及代理人身份证 9税收完税凭证 2.司法裁定过户的概念及流程(本流程与一般交易过户流程相同的不再赘述): 司法裁定过户是指法院按照法定程序，运用国家强制力量，根据执行文书的规定，强制民事义务人完成其所承担的义务，以保证权利人的权利得以实现。执行文书包括发生法律效力的民事判决书、裁定书以及依法应由法院执行的其他法律文书。它们一经确定，义务人即应自动履行。如拒不履行，权利人可申请法院强制执行。提出申请的权利人称申请人，被指名履行义务的人称被申请人，又称被执行人。real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 申请人是胜诉的一方，被申请人是败诉的一方。执行程序是民事诉讼程序的最后阶段。(本节只讨论双方在法院的协调下达成抵债和解的裁定过户) 1、资产评估、 司法裁定过户的资产须经过法院指定或当事人双方认可的评估机构进行评估，以免抵债资产缩水或虚增有失公平。 资产评估分四部进行 第一步:双方初步沟通，明确估价基本事项 包括: (1)明确估价目的，由于同一房地产出于不同的估价目的，其估价结果往往不同。所以，必须明确委托估价人请求估价的目的是什么，以区分不同性质的估价。 (2)明确估价对象的范围，是房地合一的价值评估或是单纯的房屋、土地的价值评估，或评估一幢房屋中的某个部位等等，都必须明确。 (3)明确估价时点，某房地产的估价结果，是表示该房地产在某一个特定时点上的价格。因此，必须明确估价时点，如果不确定估价时点，房地产估价是没有意义的。 (4)明确估价报告交付的日期，交付估价报告的日期一般由委托估价方提出，也可由委托估价方和受理估价方协商确定。 第二步:办理委托手续 包括: real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 委托房地产估价的，应签订估价委托合同。估价委托合同是委托估价方和受理估价方权利和义务的确定，包括估价对象、估价目的、估价时点，需提供的资料，估价收费，估价报告书的交付及其他有关事项的相互约定 第三步:协助提供资料 包括: 由于估价对象和估价目的的不同，房地产估价所需的资料也不同。一般来说，委托方应提供的资料包括: (1)产权资料 (2)房屋建筑资料 (3)估价机构要求的其它资料 第四步:支付评估费、领取评估报告 (评估报告于关键页都应加盖评估公司公章，对于评估总资产中涉及多个车位时，评估公司应针对每个车位给出单价及合计金额。) 2、制定 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 及签约 依据《执行规定》第86条规定，在执行中，双方当事人可以自愿达成和解协议，变更生效法律文书确定的履行义务主体、标的物及其数额、履行期限和履行方式(在达成和解的过程中，双方需要多轮谈判来确定标的物及其数额、履行期限和履行方式，针对不同的谈判对象、争议标的、进行的阶段需要用不同的谈判方式来达到自身的目的，在此不再赘述)。 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 自行和解协议具有强制执行的效力，但必须具备三个基本条件: 1、协议的内容必须以原生效法律文书所认定的法律事实和判决内容为依据，属于执行债权，不能超出原判决，超出部分不具备强制执行效力。换一句更专业的话语来说，该执行债权须是民事执行根据即生效法律文书中所记载的债权人的权利。比如，原判决是支付30万元货款，自行和解协议把另外未经审判的5万元借款或者其他不同法律关系的债权也写进去，那么未经审判的部分就不具备强制执行的效力。 2、协议必须是各方当事人真实的意思表示。 3、协议的内容合法，不能损害案外第三人的合法利益。 强制执行自行和解协议还是恢复执行原生效法律文书，视具体情况而定，可分四种情形: 1、在自行和解协议中债权人作出让步的，比如放弃或减收债务利息，放弃部分本金，延长还款期限等等，如果债务人违反和解协议的，则执行原生效法律文书。此种情形居多数。 2、债权人在和解协议中作出让步却又违反协议的，宜执行和解协议。在非金钱债务纠纷中或者以物抵债的情况下，出现债权人违反和解协议的可能性较大。 3、以债务人追加利益给债权人为和解条件的，比如债务人以加付债务利息或担保换取延期，或者附加其他条件，或者由案外人提供担保或作保证，或者以物抵债等，在这种情况下债务人违反和解协议real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 的，则仍可执行和解协议。在这种情况下如果只执行原生效法律文书，则对债权人不公平，而债务人则可从其违约中再次获得不义利益。 4、债务人在和解协议中作出让步而债权人违反协议的，则宜执行原生效法律文书。 3、资料交接 双方依照和解协议制定交接工作 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 表、房产资料交接表、现场核查交接表等三个环节，并按之执行。 4、持有以下资料到当地房产局办理法院裁定房屋过户。 应提交: 1 、房屋所有权证或房地产合法有效的证件、资料等手续; 2 、协助执行通知书、裁定书和判决书或支付令、调解书; 3 、属查封房屋须提交原查封单位的解封通知书; 4 、税收完税证明; 5 、受让人身份证或合法有效身份证件。 5、取得房产证后如不是整栋楼过户的须到当地土地局指定的测绘部门进行土地测绘部门进行土地分割，然后持以下材料递交当地土地局办理土地证。 1国有土地使用权转移登记申请书 2《国有土地使用证》 3裁定书或调解书 5法人身份证(复印件) 6年检后的营业执照副本及组织机构代码证(涉及第三人的第三人也 需提供) real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 7法人证明书 8委托授权书及代理人身份证 9税收完税凭证 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 房地产抵押流程及注意事项 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 现房抵押: 现房抵押的一般流程为: 第一步，债务人、抵押人配合债权人、抵押权人进行尽职调查后(见附件:尽职调查报告)订立抵押合同。 房地产抵押合同一般应具备以下内容: 1( 抵押人和抵押权人姓名(或者名称)、住所; 2( 抵押物的座落、用途、结构、面积、价值、四至范围; 3( 被担保的主债权的种类、数额; 4( 债务人履行债务的期限; 5( 抵押担保的债权范围; 6( 抵押当事人约定的其他事项。 根据担保法规定，房地产抵押合同签订后，应当向房地产登记机关办理抵押登记，抵押合同自登记之日起生效，而不是自抵押合同签订之日起生效 第二步，抵押双方签订抵押合同(见附件抵押合同)。债务人或第三者将自己依法拥有的房地产作担保。(此环节做网上抵押登记申请并打印申请书及房屋状况附表(范本见附件)) 第三步，抵押双方;持主债权合同、抵押合同、抵押申请书、房屋状况附表、抵押物清单、房屋权属表、法人身份证明书、法人身份证复印件、委托授权书、董事会决议、房地产权利证书、土地证到房、地real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of 产登记机构办理抵押登记手续(所需资料范本见附件)。 第四步，抵押权人保管房地产其他权利证明，抵押人保管已经注记的 房地产权利证书。 第五步，债务履行完毕，抵押双方持注销抵押申请书、房地产其他权 利证明及已经注记的房地产权利证书到房地产登记机关办理注销抵 押手续。 real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making errors. (I) the orders, directives, orders, suggest that others not involved in the investigation business, issued by the investigators. (10) without the approval of authorities, after the first credit investigation, credit first and then record, counter-current process operations such as operation prior to approval. (11) article does not meet the risk management Department, Marketing Management Department to carry out supervision and inspection and due diligence evaluations or providing false information. (12) other violations result in credit business at substantial risk or significant potential risk behaviours. Sixth chapter supplementary articles article 28th of this approach by the Head Office of risk management Department is responsible for the interpretation and amendment. 29th spontaneous herein from the date of implementation. Qilu silver computer transmission of qilu Bank documents (2012), No. 289Qilu Bank personal credit on issuing the Notification Guide to business risk management branch, jurisdiction and the jurisdiction of business lines, Jinan branch, head office departments within its jurisdiction: in order to improve the quality of individual credit business, optimize the structure of assets, promotion of