Legal analysis: In view of the rapid growth and potential risks of corporate credit in government financing platforms, the CBRC has put forward regulatory requirements: it is forbidden to issue bundled loans, strictly investigate, evaluate, approve and lend money item by item, and it is forbidden to sign large-sum credit cooperation agreements with local governments without specific projects, and those that have been signed may not be implemented; Combined with the solvency of local governments, strengthen the evaluation and control of the repayment ability and loan risk of financing platforms; Generally, the term of the project loan shall not exceed the project construction period plus 65,438+05 years, and the longest term shall not exceed the project construction period plus 65,438+05 years; Bridge loan can only be used for non-productive projects, and it is strictly forbidden to issue bridge loan to productive projects; After the original planned funds are in place, the principal and interest of bridge loan shall be returned, and preferential interest rates shall not be given, nor shall they be occupied for a long time, nor shall they be used as project funds.
Legal basis: Measures for the Administration of Loans from Local Government Financing Platforms of Commercial Banks Article 4 Local government financing platform loans refer to loans that are mainly borrowed by local government financing platforms, but are still managed by platform loans because they do not have commercial operation conditions for the time being. (hereinafter referred to as platform loan)