THE MAXIMUM MORTGAGE
CONTRACT
October 2012
THE MAXIMUM MORTGAGE CONTRACT
Contract No.: Mortgagee: China Merchants Bank Co., Ltd. (hereinafter referred to as Party A)
Primary Personnel in Charge:
Mortgagor (legal person or other organization):
(hereinafter referred to as Party B)
Legal Representative/ Primary Personnel in Charge:
Mortgagor (natural person):
ID No.:
Whereas
1, The contract whose No. is signed by Party B(also as Credit Applicant) and Party A on (YMD)(hereafter referred as Credit Awarding Agreement), Party A is willing to provide to Party B line of credit(hereafter referred as “line of credit” )in (currency) in the amount of ( )(including other currency of the equivalent value) during the period of credit awarding (hereafter referred as “period of credit awarding” )from (YMD) to (YMD), or
2, The contract whose No. is signed by (hereafter referred as Credit Applicant) and Party A on (YMD)(hereafter referred as Credit Awarding Agreement ), Party A is willing to provide to Credit Applicant line of credit(hereafter referred as “line of credit” ) in(currency) in the amount of ( )(including other currency of the equivalent value) during the period of credit awarding (hereafter referred as “period of credit awarding” ) from (YMD) to (YMD).
Party B is willing to mortgage it’s property owned or disposable according to law, for the guarantee of repayment of debt to Party A in full and on time under Credit Awarding Agreement. Through verification, Party A agrees to accept Party B’s property owned or disposable according to law as mortgage. According to relevant laws and regulations, Party A and Party B enter into this contract with consensus, and both parties are willing to abide by following clauses.
Art. 1 Mortgaged Property of Party B (additional list of mortgaged property may be attached to this contract)
1.1 Name:
1.2 Quantity or area:
1.3 Location:
1.4 Assessment of price and mortgage rate:
1.5 Duration:
1.6 Certification of ownership:
Art. 2 Mortgage of Maximum Amount
2.1 In period of credit awarding, Party A shall have the right to provide Party B(or Credit Applicant) loan or other credit awarding by several times; Party B(or Credit Applicant) shall have the right to reuse the revolving line of credit by category of line, but not applicable for the One-time line of credit. The amount, duration and concrete uses of per loan or other credit awarding can be stipulated by specific contracts.
Both parties have no objection to that due date of specific business later than the due date of credit awarding period.
2.2 Thus Party B shall bear the warranty liability within the stipulated range of mortgage security guarantee in article 3 of this contract; If Party A claims for the recourse in according with the provisions under Credit Awarding Agreement or other specific contracts before the maturity of credit. Party B (or Credit Applicant) shall bear the warranty liability with mortgage property as well.
2.3 Bank credit business provided by Party A to Party B (or Credit Applicant) during the period of credit awarding, such as trade acceptance, establishment of a letter of credit (Including overriding letter of credit, the same below), L/G, letter of shipping guarantee etc.. Even though external advances of Party A may not occurred before, but indeed happened after the maturity of credit. Party B shall bear the warranty liability within the stipulated range of mortgage security guarantee in Article 3 of this contract.
2.4 For the renewal agreement or alteration of valid provision upon the duration, interest and amount of specific business during the performance of specific business under Credit Awarding Agreement, or the adjustment of interest rate on the basis of Credit Awarding Agreement and/or specific contracts during the mortgage guarantee period. Party B shall accept all this with no necessary to obtain the approval of Party B or notify Part B, and no effect to the mortgage guarantee responsibility of Party B stipulated by the contract as well.
2.5 If Party A’s received documents in letter of credit operation under credit awarding agreement be found to have discrepancy through Party A’s audit , but credit applicant accepted with the discrepancy, Party B shall also assume the mortgage guarantee responsibility with mortgage property for principle and interest of credit in Party A’s external acceptance or payment. Party B shall not propose the defense, not because of accepting with the discrepancy but without the approval of Party B or notify Party B.
2.6 The modification of L/C, L/G (or standby letter of credit), acceptance of usance letter of credit and extension of time for promised payment at maturity etc. Party B shall accept all this with no necessary to obtain the approval of Party B or notify Part B, and no effect to the mortgage guarantee responsibility of Party B stipulated by the contract as well.
Art. 3 Range of Mortgage Security Guarantee
3.1 The security guarantee range of this contract is sum of loan within the line of credit provided to Party B according to stipulation of Credit Awarding Agreement and principal balance of other credit(maximum limit is (currency) in the amount of ). And interest, default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses included as well. Including but not limited to:
3.1.1 The released balance of loan amount and corresponding interest, default interest, compound interest, penalty, fees to realize mortgage right and other involved expenses by Party A on the basis of specific contracts under Credit Awarding Agreement;
3.1.2 The balance of advance principle ,interest, default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses ,which has been pay advanced for Party B in the cause of the performance of Party A’s obligation of payment of Commercial Draft, L/C，L/G and letter of shipping guarantee under Credit Awarding Agreement;
3.1.3 The balance of principle of banking external payments ,interest,
default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses entrusted by Party A within the business of trade financing under Credit Awarding Agreement;
3.1.4 Party A’s account receivable creditor's rights transferred from Part B (or Credit Applicant), and corresponding overdue penalty (late fee) under factoring business. and/or the basic payment for purchase (basic purchasing funds) and relevant expenses of factoring paid by Party A to Party B（or Credit Applicant）;
3.1.5 After the establishment of a letter of credit interest requested by Party B (or Credit Applicant), Party A authorizes the branch of CMB bank to open the covering L/C for beneficiary. Balance of debt principle of import bill advance and shipping guarantee and expenses of default interest, compound interest, penalty and other involved for the opening of L/C, but also advance for the performance of the issuing bank’s rights under this L/C;
□3.1.6 The original credit awarding agreement No. ( ) signed by and between Party A and Party B. The part of the unpaid balance in the specific business carried out under the original credit awarding agreement since the execution of this contract. (Tick the box in case the provision herein applies.);
□3.1.7 The original contract No. ( ) /Date ( )/Name ( ) signed by and between Party A and Party B, and the unpaid balance in the specific business carried out under the aforesaid contract since the execution of this contract. (Tick the box in case the provision herein applies.);
3.1.8 Expenses for the enforcement of Party A’s right of mortgage and recovery of the Party B’s(or Credit Applicant) debt（including but no limited to attorneys' fees，legal fees,advertising fees,delivery fee and travel expenses etc.）.
3.2 As for revolving line of credit, if the provided loan or other balance of credit exceeds the amount, Party B (or Credit Applicant) shall not bear the warranty liability for the part in excess of the amount, but liability for the loan not yet exceeds credit amount or other balance of credit and interest, default interest, compound interest, penalty and other involved expenses.
Notwithstanding the foregoing, both parties clear and definite that: Even though the loan or other balance of credit exceeds the credit amount at a point in time during the credit awarding, but all kinds of
balance of credit no yet exceed the sum of credit amount when Party A requires Party B to assume the warranty liability. Party B shall not to propose the defense with aforesaid provisions, but bear the warranty liability for all balance of credit and interest, default interest, compound interest, penalty and other relevant expenses etc.（subject to the clause of Art.3.1）
Art. 4 Independence of the Contract
The contract is impendent and unconditional without the influence of Credit Awarding Agreement; nor any agreement/document signed between Party B(or Credit Applicant) and any person/organization; nor change due to cheat, reorganization, closing down, dismission, bankruptcy, audit, consolidation, separation, reform of a company of Party B(or Credit Applicant); nor the tolerance, grace or postponement in performance of the creditor’s rights and interests Party A shall enjoy on the part of Party B(or Credit Applicant) under Credit Awarding Agreement. Otherwise mortgage or guarantor at the same time, thus Party A waives the sequence of mortgages, waives, alters or annuls other mortgage, alters, annuls the liability of guarantor, or Party A requires Party B to assume the warranty liability first. Party B shall assume the liability warranty for Party A in according with the provisions of this mortgage contract.
Art. 5 Mortgage Period
Mortgage period means the period from the date of execution of this contract to expiration time of lawsuit of credit debt under Credit Awarding Agreement.
Art. 6Custody and liability of mortgaged property and ownership certificate
6.1 Within the period of mortgage, the mortgaged property shall be taken good care of by Party B or the agent entrusted by Party B, who is responsible for the repair and maintenance, and make sure that the mortgaged property is all preserved well, and subject himself to the supervision and inspection from Party B at any time.
6.2 Within the period of mortgage, should any decreases happen owing to the action of Party B, Party A has the right to request Party B to stop the action and restore the value or provide another mortgaged property with the approval of Party A. Any expenses of restoration or set of another mortgaged property will be undertaken by party B.
6.3 Party B shall provide to Party A the evidence documents and relevant materials of ownership of the mortgaged property on the date of the contract, and the original of Mortgage Registration Certificate shall be kept by Party B and taken good care of it. If due to improper storage the certificate of mortgaged property ownership supplied by Party B is lost, Party A shall be liable for the expenses of post-register.
Art. 7 Registration of Mortgaged Property
7.1Party B should cooperate readily with Party A to conduct mortgage registration at mortgage registration administration with this contract and relevant documents during the period of request of Party A.
7.2 Party B shall corporate readily with Party A In good faith to carry out relevant procedures by aforesaid provisions. If fail to complete the relevant procedures because of Party B, Party B shall deal with party A so suffered losses assume liability to pay compensation.
Art. 8 Insurance
8.1 As per the requested risks of Party A, Party B shall give a full insurance upon his mortgaged property, and Party A shall be first beneficiary. The originals of insurance policy shall be kept by Party A. The insurance term shall be longer than the stipulated credit term under the Credit Awarding Agreement. If term of credit under the agreement is extended or credit debt has not paid off at the maturity of credit period, Party B shall agree on the renewal insurance for the mortgaged property. If the insured property turns into a loss, Party A shall have priority right in withdrawing the principal and interest and all other relevant expenses from insurance compensation under Credit Awarding Agreement, or consult with Party B to place the insurance compensation on the margin account (the account number of margin is the real opened account by Party B in Party A, or automatically generated number when deposit the insurance compensation into system of Party A, the same below). For Withdrawing relevant funds/payment of payable when loan, discounted bill, acceptance bill or L/C and L/G under Credit Awarding Agreement meet to the maturity date.
8.2 If Party B fails to conduct an insurance or insurance term extending as art.8.1 stipulated, Party A shall have the right to deal with insurance term extending instead Party B, and the cost shall be taken on by party B.
8.3 If Party B (or Credit Applicant) fails to repay all the loan payable under Credit Awarding Agreement as expiration of policy, Party B shall conduct insurance term extending upon mortgaged property. If Party B fails to conduct
this, Party A shall have the right to deal with insurance term extending instead Party B, and the cost shall be taken on by party B.
Art. 9 Limits of Disposition of Mortgaged Property
9.1 Party A shall have no right to transfer the mortgaged property in the manner of sale, exchange, donate etc. during mortgage term under this contract. If Party B indeed needs to transfer the mortgaged property under this contract with compensation, it shall fulfill the following conditions:
9.1.1 Shall through the written approval of Party A and inform the transferee that the transferred property is mortgaged; if Party B fails to inform the transferee of the fact or without the written approval of Party A, the transfer shall be null and void.
9.1.2 If the proceeds expected from the transfer of the mortgaged property are evidently less than its value, which cannot compensate for credit amount and all other relevant expenses, Party A may demand that Party B provide an additional guaranty. if Party B fails to provide to additional guaranty, then may not transfer the mortgaged property;
9.1.3 Party B shall add the proceeds expected from the transfer of the mortgaged property to the account designated by Party A directly, for the prepayment of principle and interest of credit debt and all other relevant expenses, or deposit relevant funds into the margin account of Party B opened in Party A. Such funds shall be deemed to be specialized and Party A’s possession, proceed as the guaranty of pledge of Party B (or Credit Applicant) ‘s debt under Credit Awarding Agreement since the date of entering into the margin account. Party B shall have no objection to this and willing to cooperate to conduct relevant procedures in coordinate with Party A’s requirement.
After the full proceeds expected from the transfer of the mortgaged property has been added to the account designated by Party A, Party A may provide Party B help to conduct the cancellation of registration of mortgaged property and return the certificate of ownership back to Party B.
9.2 Party B shall not to transfer, rent out，remortgage, or other improper ways to dispose the mortgaged property without the written approval of Party A under the contract.
Art. 10 Expenses
Because of matter involving notarization (Except compulsory notarization) or services relied on third-party, consigner pay the expenses. But both parties shall bear half of fees if both as consigners.
If the national relevant policies etc. normative documents stipulated that the mortgagee shall undertake the mortgage registration fee, it shall be undertaken by mortgagee under this contract. Except otherwise provisions in normative documents or due to competent department of registration must be undertaken by mortgagor.
Mortgaged property under this contract shall be estimated by Party B’s entrusted assessment agencies which with the approval of Party A. As a client, Party B shall bear the assessment fee.
Art. 11 Alterations and Annulment
Either party shall not modify, change or cancel the contract unilaterally without authorization. The contract may be modified or cancelled once the two parties reach consensus and conclude written agreement. The contract shall still be valid before the written agreement is concluded.
Art. 12 Commitment for the division and merger of Party B
If the occurrence of division and merger etc. of party B within period of this contract, the organization after change shall wholly or respectively assume the obligation under this contract.
Art. 13 If any of the following occurs, Party A shall have the right to dispose the mortgaged property according to law:
13.1 One of the defaults stipulated in Article 10.1 Credit Awarding Agreement occurs to Party B (or Credit Applicant) , or the occurrence of defaults stipulated in specific contracts under Credit Awarding Agreement;
13.2 One of the defaults stipulated in Article 10.2 and 10.3 of Credit Awarding Agreement occurs to Party B or other pledgor/ guarantor, or Party B defaults on stipulated liabilities in this contract;
13.3 The occurrence of dead without a legal heir or donee, as Party B is a natural person;
13.4 Heir/devisee abandon inheritance/legacy, refuse to implement the obligations of repayment of debt, as Party B is a natural person;
13.5 The occurrence of closing down, deregistration or revocation of
business license,bankruptcy or dissolution etc., as Party B is a legal person or other organization;
13.6 Other matters that endanger enough to the implementation of creditor’s rights under Credit Awarding Agreement.
Art. 14 Responsibilities for Breach of Contract
14.1 Violate the stipulation of Article 6 of this contract, decreases happen owing to the actions of neglectful in management and repair of Party B, or Party B’s actions endanger the mortgaged property directly. Party A has the right to request Party B to stop the action and restore the value or provide another mortgaged property with the approval of Party A. if Party B refuses to restore or provide, Party A shall have the right to dispose the mortgaged property in accordance with law ahead of time.
14.2 Violate the stipulation of Article 9 of this contract, unauthorized disposition of mortgaged property shall be null and void; Party A has the right to request Party B to stop the injurious act to the mortgage rights of Party A and restore the value or provide another mortgaged property with the approval of Party A, or dispose the mortgaged property in accordance with law ahead of time.
14.3 The concealment of condominium, dispute, letting, sealed off, detained, configured mortgage rights, regulated or prior legal priority existing of guarantee（including but not limited to Construction project priority upon mortgaged property, or Party B has no ownership or right of disposition upon mortgaged property, thus causing a loss to a Party A. Party B shall provide another mortgaged property as Party A’s requirements.
14.4 If any of aforesaid default clause occurs and Party B fails to provide another mortgaged property as Party A’s requirements, then Party B shall bear penalty of __% of line of credit under Credit Awarding Agreement. thus causing a loss to a Party A，Party B shall also compensate for the whole economic losses.
Art. 15 The collection of Fruits
If Party B fails to repay the loan, advances, other principle and interest of credit debt and all other involved expenses at the maturity of credit, due to Party A’s claim for right of mortgage cause the mortgaged property be sealed off or detained by the People’s Court according to law. Party A shall be entitled to collect the natural fruits severed from the mortgaged property and the legal fruits which Party B may collect from the mortgaged property since the date of
being sealed off or detained.
Art. 16 Enforcement of Mortgage Right
16.1 If the occurrence of any single or multiple clauses in Article 13 or Article 14.1,14.2 of this contract, Party A shall have the right to choose one of the following ways for the enforcement of mortgage right:
16.1.1 Two parties reach an agreement on the conversion of the mortgaged property or the auction or sale of the mortgaged property directly, if fail to reach an agreement within 15 days since the occurrence of any single or multiple clauses in art.13 or art.14.1,14.2 of this contract, Party A shall have the right to petition a People's Court for the auction or sale of the mortgaged property directly;
16.1.2 Dispose the mortgaged property with stipulated method of dispute resolution under Credit Awarding Agreement according to legal procedure;
16.1.3 Party A shall apply to a competent People's court for compulsory execution directly under the contract after the notarization of compulsory execution effect was completed by two parties;
16.2 Party A shall have priority right in satisfying claim from the proceeds of disposition of the mortgaged property in aforesaid ways. If the proceeds from the conversion of the mortgaged property or the proceeds from the auction or sale thereof exceed the sum of every loan, advances or principle and interest of other credit debt and all other relevant expenses of Party B (or Credit Applicant) under Credit Awarding Agreement, the balance shall be returned to Party B; if the proceeds do not cover the claim, the difference shall be recourse by Party A.
Art. 17 Lapse of Mortgage Right
After Party B has clear off all the principle and interest of credit debt under Credit Awarding Agreement in full and on time at the maturity of credit period, the right of mortgage shall lapse automatically. The Certificate of Property rights of Party B and the policy of property insurance etc. retained by Party A Shall return to Party B.
Art. 18Not deemed to be waiver of the right
The tolerance, grace or postponement in performance of the rights and interests Party A shall enjoy during Credit Awarding Agreement toward any
breach of agreement or delay on the part of Party B(or Credit Applicant) during the validity period of the contract shall not damage, influence or restrict all the rights and interests Party A shall enjoy as the creditor according to the relevant legal provisions, and shall not deemed to be waiver of the right to take action against the existing or future breach of contract.
Art. 19 Notice
The notice and requests etc. related to the agreement between Party A and Party B shall be sent in writing.
If delivered by hand, the relevant documents shall be deemed to have been served on the addressee upon signing for receipt（In case the addressee refuses to receive the documents, such documents shall be deemed to have served on the date of refusal）; If delivered by mail, shall be deemed to have been served seven day after sent out; f delivered by fax, shall be deemed to have been served on the fax machine receiving for receipt.
Contact Address of Party A: ;
Contact Address of Party B:
Either party shall inform the other party in time in case of changing the contact address, otherwise it shall undertake all the possible losses incurred thereby.
Art. 20 Transfer of creditor's rights or mortgage
20.1When Party A transfers all the creditor’s rights to third party under credit awarding agreement, the right of maximum mortgage shall also transferred to the assignee, no matter whether the creditor’s rights to the maximum mortgage are confirmed.
20.2 When Party A transfers part of the creditor’s rights, the right of mortgage transfers partly with it, as the creditor's rights to mortgage in this contract has been confirmed. Party A shall share the right of mortgage with the assignee (who has been transferred part of the creditor’s rights) by the creditor’s rights that have not yet to be transferred, according to the percentage of amount of the creditor’s rights. When Party A transfers part of the creditor’s rights, the Party A’s right of mortgage transfers partly with it and the maximum amount of Party A’s principal claim secured by original maximum mortgage increases correspondingly (mean the maximum amount of Party A’s principal claim secured by original maximum mortgage deduct the amount of transferred party of creditor’s rights) before the creditor's rights to mortgage in this contract confirmed. After the part of the principle creditor’s
rights that have not yet to be transferred be confirmed. Party A shall share the right of mortgage with the assignee (who has been transferred part of the creditor’s rights) by the creditor’s rights that have not yet to be transferred, according to the percentage of amount of the creditor’s rights.
Art. 21 Terms
The terms in this contract have the same meanings with the stipulation in Credit Awarding Agreement, except the clearly dictates otherwise.
Art. 22 Applicable Law and Dispute Resolution
22.1 The conclusion, interpretation of the contract and dispute settlement shall be subject to the laws of the PRC.
22.2 The disputes arising from the performance of the contract shall be settled according to the agreed resolution rules in Credit Awarding Agreement.
Art. 23 Effectiveness
The contract shall take effect since the legal representatives/major personnel in charge of the two parties or their authorized agents sign (or affix seal) and affix the common seal/contract seal(if Party B is a natural person, thus the contract shall take effect since the legal representative/major personnel in charge or authorized agent of Party A/sign or seal and affix the common seal/contract seal and Party B’s sign) thereof, and shall become invalid automatically on the date of expiry of mortgage or the date on which Party B(or Credit Applicant) pays off all the debts it owes to Party A and all the other relevant expenses under Credit Awarding Agreement (the later of which shall apply).
Art. 24 Other Issues
Art. 25 Supplementary Provisions
The contract comes in (copies), the two parties and hold one copy each, which shall have the same legal effect.
Special tips
The two parties have conducted sufficient consultation over all the provisions of the contract. The bank has proposed the other relevant parties to pay special attention to the relevant provisions on exemption or restriction of the responsibilities of the bank, the rights the bank enjoys unilaterally, and increase of he responsibility of other relevant parties, or restriction of the rights thereof, and obtain comprehensive and accurate understanding thereof. The bank shall give corresponding explanation to the aforesaid provisions at the request of other relevant parties. The contracting parties have obtained completely unanimous understanding of the provisions of the contract.
Party A: (signature and seal) Legal representative of entrusted agent: (signature and seal)
Mortgagor is a legal person or other organization, sign in this section
Party B: (signature and seal) Legal representative of entrusted agent: (signature and seal)
Mortgagor is a natural person, sign in this section
Party B: (signature and seal) ID No.:
Address:
Date signed: (YMD)
招商银行个人贷款抵押合同 敬请注意 为了维护您的利益，在您签署本合同之前，请仔细阅读如下注意事项： 1、您请认真阅读本合同项下的全部条款，对于不理解的条款，可以向贷款征询，贷款人将进行解释。您一旦签订本合同，即视为您已同意本合同的所有条款； 2、您已经确保提交给银行的有关证件及资料是真实、合法、有效的； 3、您已经确认自己有权在合同上签字； 3、您将本着诚实、信用的原则，自愿签订并依约履行本合同； 4、请您使用钢笔、毛笔或签字笔工整地填写需要您填写的内容； 5、如果您对本合同还有疑问之处，您可以向当地招商银行个人贷款经办部门咨询。 个人贷款抵押合同 编号： 立约人： 抵押权人（以下简称甲方）：见本合同第十六条。 抵押人（以下简称乙方）：见本合同第十六条。 为担保本合同第十七条所指明之借款合同项下借款本息及其他一切相关费用能得到按时足额偿还，乙方愿意以其所有的或依法有权处分的财产作为抵押物。甲方经审查，同意接受乙方所有的或依法有权处分的财产作为抵押物。现甲乙双方依照有关法律规定，经平等协商，就下列条款达成一致，特订立本合同。 第一条抵押物。见本合同第十八条。 第二条抵押担保的范围 本合同抵押担保的范围包括但不限于借款合同的本金、利息、罚息、违约金、损害赔偿金以及实现抵押权的费用等。 第三条抵押物和抵押物权属凭证的保管及责任
一、抵押期间，抵押物由乙方或乙方委托的代理人保管，乙方及其代理人应妥善保管抵押物，在抵押期间负有维修、保养、保证完好无损的责任，并随时接受甲方的检查。 抵押期间为从本合同生效之日起至借款合同项下借款本息及其他一切相关费用全部还清之日止的期间。 二、抵押期间，乙方的行为足以使抵押物价值减少的，甲方有权要求乙方停止其行为，恢复抵押物的价值，或提供经甲方认可的新的抵押财产。因恢复抵押物价值或设定新增的抵押所花费用，由乙方承担。 三、抵押期间，乙方应将抵押物的权利证书及其它相关证明文件交由甲方保管。甲方应妥善保管好抵押物权属凭证。如因保管不善，造成抵押物权属凭证灭失的，甲方应承担补办费用。 第四条抵押物登记 一、本合同项下抵押物依法必须办理抵押物登记的，甲乙双方应自本合同签定之日起15日内，持本合同及有关资料到相应的政府登记管理机关办理抵押物登记。 二、本合同项下抵押物依法无需办理抵押物登记，甲乙双方自愿办理抵押物登记的，甲乙双方应自本合同签订之日起15日内，持本合同及有关资料到乙方所在地的公证部门办理抵押物登记。 三、乙方应本着诚实信用的原则，积极配合甲方按照本条第一、二款的规定办理相关手续，如因乙方的原因未能在前述期限内办妥相关手续，乙方应对甲方因此遭受的损失承担赔偿责任。 第五条保险 乙方根据国家规定或贷款人的要求办理第一受益人为甲方的保险，保险金额不得低于贷款金额。保险公司的选择由甲乙双方协商确定。并将保险单交甲方保存。投保期限应长于借款合同约定的借款期限。若借款合同项下借款期限延长，乙方需办理延长投保期手续。投保的财产如发生损失，甲方有权从保险赔偿中优先收回借款本息及其他费用。 如乙方未办理抵押物投保手续或延长投保期手续，甲方有权代理乙方直接办理，有关费用仍由乙方支付，甲方有权从乙方在甲方处开设的帐户中直接扣划 或以其他方式追索。 第六条对抵押期间处分抵押物的限制
消防器材购销合同范本正式模 版 Effectively restrain the parties’ actions and ensure that the legitimate rights and interests of the state, collectives and individuals are not harmed ( 合同范本 ) 甲方：______________________ 乙方：______________________ 日期：_______年_____月_____日 编号：MZ-HT-090819
消防器材购销合同范本正式模版 合同编号： 需方： 供方：项目名称：供需双方经平等协商，一致同意签订本销售合同，条款如下： 一、供方同意为需方提供产品，需方同意购买供方所提供的产品。产品型号、数量及单价等详见本合同货物清单。 货物清单 二、供需双方确认，需方应支付的货款总价为人民币￥160000.00（大写：壹拾陆万元整）本货款总价不含税。需方应按本合同的约定按时如数支付上述货款。 三、付款方式及期限： 供需双方确认，本合同采用以下方式付款，即：
（1）本合同签订后在日内需方应向供方支付购货定金（即人民币大写：元整） （2）货到工地支付至该批货款总额的60%货款。 （3）消防验收通过后3日内支付至发货总额的25%货款。 （4）货款总额的5%为质保金，质保期二年后3日内付清。 供需双方确认，需方以转帐支票或汇款方式汇至供方银行帐户。供方确认，供方的开户单位：；开户银行：招商银行深圳时代分行；账号：*********************. 四、关于现金支付的特别约定 供方特别声明：供方如不接受本合同第三条约定方式付款，如需方向供方业务员支付现金或者以供方业务员为收款人开具现金支票，须我司开具收款委托书，否则均不能被视为需方向供方已支付货款。货款未付清时货物所有权仍归供方所有。 五、交货期限： 在需方已按合同要求如期足额交付定金、预付款的条件下，供方应于年月日之前向需方交付本合同附件所列之货物，具体发货数
附2 版本5 凭证种类:8052/凭证代码:100 凭证号： 招商银行网上“企业银行”服务协议 甲方（全称）：招商银行分（支）行 负责人: 地址: 乙方（全称）： 法定代表人或负责人: 地址: 鉴于乙方向甲方申请使用网上“企业银行”服务，甲方经审查同意为乙方提供此项服务，双方经协商一致，达成以下协议： 第一条关于网上“企业银行”的定义及服务范围 网上“企业银行”是指招商银行向企事业单位客户提供的基于Internet网络或其他公用信息网（如“视聆通”等）的客户端软件，实现将需求指令自主提交到开户银行，从而实现支付、查询等业务需求的服务系统。 第二条网上“企业银行”的交易方式 网上“企业银行”采用数字交易方式，即以数字证书方式产生的数字签名为有效合法印鉴，并在网上“企业银行”业务中使用数字签名作为支付的有效印鉴；所有经数字签名确认的指令均视为乙方真实意思表示，对乙方具有拘束力。甲方根据乙方在其账户上的电讯指示进行交易和记录并以此制作借记凭证。甲乙双方均认可网上“企业银行”业务中采取数字证书方式的合法性、有效性和安全性。 乙方选择对乙方经办人提交的交易申请以电话授权方式完成审批操作的，由乙方经办人通过数字签名发起交易申请，乙方审批人通过预留的联系电话拨打甲方95555电话，向甲方95555电话话务人员告知用户名并自行输入用户登陆密码，经甲方计算机系统验证用户名和密码无误后，由甲方话务人员按照乙方审批人的要求完成对该交易的审批操作。甲乙双方均认可甲方95555电话系统录音数据的合法性、有效性和安全性。 第三条服务费用的收付 乙方在使用甲方的网上“企业银行”服务后，应向甲方交纳相应的服务费、电汇费等费用。该等费用由甲方从乙方账户中直接扣收，乙方保证在该账户中保留足够余额，否则甲方
正文 招商银行网上“企业银行”自助贷款授信合同招商银行网上“企业银行”自助贷款授信合同编号：_ _ _ _ _ _ 年_ _ _ _ _ _ 字第_ _ _ _ _ _ 号 授信人：招商银行______________________________________ （以下简称甲方）地址：_____________________________________________________________________________ 法定代表人/ 主要负责人：_ _ _ _ _ _ _ _ _ _ _ 职务：______________________________________________________________ 授信申请人：____________________________________________ （以下简称乙方）地址：_____________________________________________________________________________ 法定代表人：__________________________________________________________________________ 职务：______________________________________________________________
经乙方申请，甲方同意向乙方提供总额人民币_____________________ 万元的网上自助贷款授信 额度。现甲方与乙方按照有关法律规定，经充分协商，就下列条款达成一致，特订立本合同 第1 条授信额度甲方向乙方提供人民币_________________ 万元整的网上自助贷款授信额度。此授信额度是 指甲方提供乙方通过甲方“一网通”中的网上“企业银行”系统自助提取流动资金贷款的 最高限额。 第2条授信期间授信期间为_ _____ 年，即从______年_______ 月______日起到_____ 年_____ 月__ 日止。乙方应在该期间内通过网上向甲方提出额度使用申请，甲方不受理乙方超过授信期间到期日提出的额度使用申请 第3 条授信额度的使用 3．1 在授信期间内，乙方可循环使用授信额度，但必须逐笔通过网上申请使用。乙方以数字证书方式产生的数字签名作为办理支取贷款以及通过网上归还贷款的有效签章，乙方授予甲方在其有关结算账户中扣收贷款本息的权利和根据借款金额填制借款凭证和还款凭证的权利 3．2 授信额度内每笔贷款的实际发生和归还以甲方在“企业银行”系统中保存的业务记录或甲方据此填制或打印的借款借据、客户对账单等业务记录为准。甲方的业务记录
文件编号：RHD-QB-K1562 （合同范本系列） 甲方：XXXXXX 乙方：XXXXXX 签订日期：XXXXXX 消防器材购销合同范本 标准版本
消防器材购销合同范本标准版本操作指导：该合同文件为经过平等协商和在真实、充分表达各自意愿的基础上，本着诚实守信、互惠互利的原则，根据有关法律法规的规定，达成如下条款，并由双方共同恪守。，其中条款可根据自己现实基础上调整，请仔细浏览后进行编辑与保存。 合同编号： 需方： 供方：项目名称：供需双方经平等协商，一致同意签订本销售合同，条款如下： 一、供方同意为需方提供产品，需方同意购买供方所提供的产品。产品型号、数量及单价等详见本合同货物清单。 货物清单 二、供需双方确认，需方应支付的货款总价为人民币￥160000.00（大写：壹拾陆万元整）本货款总价不含税。需方应按本合同的约定按时如数支付上述
货款。 三、付款方式及期限： 供需双方确认，本合同采用以下方式付款，即：（1）本合同签订后在日内需方应向供方支付购货定金（即人民币大写：元整） （2）货到工地支付至该批货款总额的60%货款。 （3）消防验收通过后3日内支付至发货总额的25%货款。 （4）货款总额的5%为质保金，质保期二年后3日内付清。 供需双方确认，需方以转帐支票或汇款方式汇至供方银行帐户。供方确认，供方的开户单位：；开户银行：招商银行深圳时代分行；账号： *********************.
四、关于现金支付的特别约定 供方特别声明：供方如不接受本合同第三条约定方式付款，如需方向供方业务员支付现金或者以供方业务员为收款人开具现金支票，须我司开具收款委托书，否则均不能被视为需方向供方已支付货款。货款未付清时货物所有权仍归供方所有。 五、交货期限： 在需方已按合同要求如期足额交付定金、预付款的条件下，供方应于xx年xx月xx日之前向需方交付本合同附件所列之货物，具体发货数量以需方通知为准，（通知应采用书面方式，口头通知无效）超出本合同附件所列之货物时，双方应签订增补合同。 六、交货方式： 供需双方确认，本合同采用以下第（2）方式交货，即：1、需方自提；
银行个人贷款抵押合同doc精品模板 招商银行个人贷款抵押合同 敬请注意 为了维护您的利益，在您签署本合同之前，请仔细阅读如下注意事项： 1、您请认真阅读本合同项下的全部条款，对于不理解的条款，可以向贷款征询，贷款人将进行解释。您一旦签订本合同，即视为您已同意本合同的所有条款； 2、您已经确保提交给银行的有关证件及资料是真实、合法、有效的； 3、您已经确认自己有权在合同上签字；
3、您将本着诚实、信用的原则，自愿签订并依约履行本合同； 4、请您使用钢笔、毛笔或签字笔工整地填写需要您填写的内容； 5、如果您对本合同还有疑问之处，您可以向当地招商银行个人贷款经办部门咨询。个人贷款抵押合同 编号： 立约人： 抵押权人（以下简称甲方）：见本合同第十六条。
抵押人（以下简称乙方）：见本合同第十六条。 为担保本合同第十七条所指明之借款合同项下借款本息及其他一切相关费用能得到按时足额偿还，乙方愿意以其所有的或依法有权处分的财产作为抵押物。甲方经审查，同意接受乙方所有的或依法有权处分的财产作为抵押物。现甲乙双方依照有关法律规定，经平等协商，就下列条款达成一致，特订立本合同。 第一条抵押物。见本合同第十八条。 第二条抵押担保的范围 本合同抵押担保的范围包括但不限于借款合同的本金、利息、罚息、违约金、损害赔偿金以及实现抵押权的费用等。 第三条抵押物和抵押物权属凭证的保管及责任
一、抵押期间，抵押物由乙方或乙方委托的代理人保管，乙方及其代理人应妥善保管抵押物，在抵押期间负有维修、保养、保证完好无损的责任，并随时接受甲方的检查。 抵押期间为从本合同生效之日起至借款合同项下借款本息及其他一切相关费用全部还清之日止的期间。 二、抵押期间，乙方的行为足以使抵押物价值减少的，甲方有权要求乙方停止其行为，恢复抵押物的价值，或提供经甲方认可的新的抵押财产。因恢复抵押物价值或设定新增的抵押所花费用，由乙方承担。 三、抵押期间，乙方应将抵押物的权利证书及其它相关证明文件交由甲方保管。甲方应妥善保管好抵押物权属凭证。如因保管不善，造成抵押物权属凭证灭失的，甲方应承担补办费用。 第四条抵押物登记 一、本合同项下抵押物依法必须办理抵押物登记的，甲乙双方应自本合同签定之日起15日
房屋买卖合同 甲方（卖方）：_________________________ 乙方（买方）：_________________________ 甲乙双方就房屋买卖事项，经协商一致，达成以下条款： 一、甲方自愿将坐落在___________________________________________________ （建筑面积）_______平方米，产权证号____________________________房产出卖给乙方，并将与所出卖该房产的土地使用权同时出卖给乙方（附房产证复印件）。 二、双方上述房地产及附属建筑物总价款为人民币大写______________________；即人民币小写__________，首付款为人民币大写________________________，即人民币小写__________。 三、乙方在签订本合同时，支付定金大写人民币______________，即小写__________。 四、首付款在市房地产交易中心将此产权证交买卖过户科受理；出具受理单后（或办理产权公证后）乙方支付给甲方（定金从首付款中扣除），首付款之外的款项通过银行住房按揭方式支付（有关期限和程序按照所在按揭银行规定办理）。 五、甲方保证该房产合法、权属清楚、有合法的土地使用权（已交纳土地出让金）。 六、办理房产证手续所产生的有关税费由双方协商承担。 七、甲方将房产过户给乙方，届时该房产应无任何担保、抵押、房产瑕疵，无人租住、使用；无欠款，如电话费、水电费、物业管理费、取暖费、入网费、有线电视费等。 八、交付该房产，甲方不得损坏该房产的结构、地面和墙壁及不适移动的物件，房屋内的家具家电由乙方锁定。 九、本协议一式四份，具有同等法律效力，自双方签字之日生效。 甲方签字按印（卖方）：_________________ 身份证号：________________________ 住址：________________________________ 联系电话：________________________ 乙方签字按印（买方）：_________________ 身份证号：________________________ 住址：________________________________ 联系电话：________________________ 签订日期：________________________
招商银行网上“企业银行”自助贷款授信 合同编号：______年______字第______号 授信人：招商银行__________________（以下简称甲方） 地址：____________________________ 法定代表人/主要负责人：___________ 职务：____________________________ 授信申请人：______________________（以下简称乙方） 地址：____________________________ 法定代表人：______________________ 职务：____________________________ 经乙方申请，甲方同意向乙方提供总额人民币____________万元的网上自助贷款授信额度。现甲方与乙方按照有关法律规定，经充分协商，就下列条款达成一致，特订立本合同。 第1条?授信额度 甲方向乙方提供人民币____________万元整的网上自助贷款授信额度。此授信额度是指甲方提供乙方通过甲方“一网通”中的网上“企业银行”系统自助提取流动资金贷款的最高限额。 第2条授信期间 授信期间为______年，即从______年______月______日起到______年______月______日止。乙方应在该期间内通过网上向甲方提出额度使用申请，甲方不受理乙方超过授信期间到期日提出的额度使用申请。 第3条?授信额度的使用 3．1在授信期间内，乙方可循环使用授信额度，但必须逐笔通过网上申请使用。乙方以数字证书方式产生的数字签名作为办理支取贷款以及通过网上归还贷款的有效签章，乙方授予甲方在其有关结算账户中扣收贷款本息的权利和根据借款金额填制借款凭证和还款凭证的权利。 3．2授信额度内每笔贷款的实际发生和归还以甲方在“企业银行”系统中保存的业务记录或甲方据此填制或打印的借款借据、客户对账单等业务记录为准。甲方的业务记录是本合同的组成部分，与本合同具有同等法律效力。乙方对甲方业务记录的准确性、真实性及合法性予以确认，并且放弃任何异议。 3．3每笔网上自助贷款的期限最长为6个月，并且网上不办理展期。贷款到期日可以晚于授信期间到期日。 第4条贷款利率 授信额度内贷款利率按照人民银行规定的同档次利率下浮/上浮____________ 执行 第5条贷款用途 此授信额度内贷款只能用于__________________。未经甲方书面同意，乙方不得挪作他用。 第6条?担保条款 6．1本协议项下乙方所欠甲方的一切债务由____________公司作为连带责任保证人，该公司须向甲方出具最高额不可撤销担保书，及/或 6．2本协议项下乙方所欠甲方的一切债务由____________公司以其所有或依法有权处分的____________财产作抵（质）押，双方另行签订担保合同。 第7条乙方的权利和义务 7．1 乙方享有如下权利：
YOUR LOGO 消防器材购销合同范本正式版 After The Contract Is Signed, There Will Be Legal Reliance And Binding On All Parties. And During The Period Of Cooperation, There Are Laws To Follow And Evidence To Find 专业合同范本系列，下载即可用
消防器材购销合同范本正式版 使用说明：当事人在信任或者不信任的状态下,使用合同文本签订完毕，就有了法律依靠,对当事人多方皆有约束力。且在履行合作期间,有法可依,有据可寻，材料内容可根据实际情况作相应修改，请在使用时认真阅读。 合同编号： 需方： 供方：项目名称：供需双方经平等协商，一致同意签订本销售合同，条款如下： 一、供方同意为需方提供产品，需方同意购买供方所提供的产品。产品型号、数量及单价等详见本合同货物清单。 货物清单 二、供需双方确认，需方应支付的货款总价为人民币￥160000.00（大写：壹拾陆万元整）本货款总价不含税。需方应按本合同的约定按时如数支付上述货款。 三、付款方式及期限： 供需双方确认，本合同采用以下方式付款，即： （1）本合同签订后在日内需方应向供方支付购货定金（即人民币大写：元整） （2）货到工地支付至该批货款总额的60%货款。 （3）消防验收通过后3日内支付至发货总额的25%货款。 （4）货款总额的5%为质保金，质保期二年后3日内付清。 供需双方确认，需方以转帐支票或汇款方式汇至供方银行
帐户。供方确认，供方的开户单位：；开户银行：招商银行深圳时代分行；账号：*********************. 四、关于现金支付的特别约定 供方特别声明：供方如不接受本合同第三条约定方式付款，如需方向供方业务员支付现金或者以供方业务员为收款人开具现金支票，须我司开具收款委托书，否则均不能被视为需方向供方已支付货款。货款未付清时货物所有权仍归供方所有。 五、交货期限： 在需方已按合同要求如期足额交付定金、预付款的条件下，供方应于xx年xx月xx日之前向需方交付本合同附件所列之货物，具体发货数量以需方通知为准，（通知应采用书面方式，口头通知无效）超出本合同附件所列之货物时，双方应签订增补合同。 六、交货方式： 供需双方确认，本合同采用以下第（2）方式交货，即： 1、需方自提； 2、供方代办托运，运费由（供）方承担。交货地点：。托运方式：汽运. 3、其他：. 七、供需双方确认，采用上述第六条约定的交货方式时，供方在将本合同约定的货物交付给需方（包括需方的雇员、代
企业银行商务支付系统WEB版开发指南 version 3.0 招商银行 China Merchants Bank 版权所有不得复制
修订记录 日期修订版本修订人修订内容2012-4-27 1.0 杨成海 2014-5-29 2.0 徐蓓增加3.3.4支付内部户订单和3.3.5预保留订单；增加4.1.2支付结果通知（支付收方内部户和预保留）；修改3.3.1支付订单、电票出票订单、电票背书订单增加字段“支付结果通知地址”；修改4.3 通知地址设置。 2015-5-25 3.0 徐蓓 增加6.自颁发文件证书;3.3订单信息增加字段“文件证书签名时间戳”；修改2.2和3.1增加自颁发证书流程相关说明。 目录 1、前言 (3) 1．1．概述 (3) 1．2．背景 (3) 1．3．阅读对象 (3) 1．4．术语定义 (3) 2、解决方案 (4) 2．1．概述 (4) 2．2．结构示意图 (4) 2．3．客户端要求 (7) 3、订单支付 (8) 3．1．重要说明 (8) 3．2．charset（信息编码） (9) 3．3．order（订单信息） (9) 3.3.1 支付订单 (9) 3.3.2电票出票支付订单 (10) 3.3.3电票背书支付订单 (11) 3.3.4支付收方内部户订单（适用并笔入账） (13) 3.3.5预保留订单 (14) 3．4．sigdat（签名信息） (15)
3．5．result（返回信息） (15) 3．6．范例 (16) 4、支付结果通知 (18) 4．1．订单支付结果通知 (18) 4.1.1支付结果通知 (18) 4.1.2支付结果通知(支付收方内部户和预保留) (19) 4．2．商户应答 (21) 4．3．通知地址设置 (21) 4．4．通知结果查询 (22) 5、银企直联 (23) 5．1．订单状态信息查询 (23) 5．2．验证签名 (23) 5．3．生成签名 (23) 6、自颁发文件证书 (24) 6．1．自颁发证书生成 (24) 6．2．验证签名 (25) 6．3．生成签名 (27) 6．4．JAVA开发包下载和说明 (28) 7、支付测试流程示例 (30) 7．1．生成签名 (30) 7.1.1编辑订单签名报文 (30) 7.1.2 启动并登录银企直联前置机 (30) 7.1.3 通过直联程序生成订单信息签名 (32) 7．2．根据订单信息及签名信息完成支付操作 (34) 7．5．验证银行签名 (37) 7.5.1通过直联程序验证经办结果签名 (37) 7.5.2通过开发包验证经办结果签名 (38) 8、附录 (39) 8．1．数据类型约定 (39)
招商银行私人银行营销实战案例分享实录 2010年09月02日17:25腾讯财经我要评论(0) 字号：T|T 招商银行财富管理总监陈昆德分享金融品牌营销实战案例 腾讯财经讯 9月2日，第六届中国金融品牌论坛今日在上海召开，众多行业领袖和学者专家纵论金融营销困惑中的对策，共同探索新媒体时代的金融营销创新。腾讯财经对论坛进行全程直播报道。 以下为“金融品牌营销实战案例分享”之“招商银行私人银行营销实战案例”分享实录： 范秀成：下一个环节是金融品牌营销实践案例分析，案例是招商银行私人银行营销实战案例。在4年前，我曾经参加过一个类似的论坛，是由交通银行主办的，有国际著名的市场调查公司TNS的支持，我作为学术支持的单位参加了论坛。当时我记得在论坛上讲过这么一段话。 2006年的11月，到了年底还有1个月，整个的金融市场对海外、境外投资者全面开放。当时论坛大家的意思是觉得在这样一个新的条件下，大家感觉到狼来了。全面开发以后中国本土的金融机构怎么样和外资银行、金融机构来组合，其实特别是像招商银行，我们知道招商银行最初是以私人银行对个人的银行业务发生起来，个人银行业务发展一起来的，我记得大家最开始的时候，个人业务占到70%，外资业务进来之后，最可能直接竞争的是招商银行。外资银行进来以后，抢夺的最主要的市场有可能是个人金融这一块。五年、六年过去了，我们本土的银行不仅生存下来了，而且活得很好。特别是在最近的国际金融危机以后，中国银行业整个发展的势头还是非常好的，部分得益于我们的老客户。从另外一方面说明本土银行的竞争力不断地在提升。 今天非常高兴能够请到招商银行私人业务部的陈昆德总经理给我们分享招商银行的案例，大家欢迎。
中国农业银行贷款合同 因为资金短缺，为了发展而不至于利益损失就需要向银行贷款。本文是为大家收集整理的中国农业银行贷款合同，欢迎大家阅读参考。 中国农业银行贷款合同 借款人(全称)___________________________________________________ 贷款人(全称) 中国农业银行______________________________________ 根据国家有关法律、法规和规章，经借、贷双方当事人充分协商一致，特订立本合同，共同遵守。 第一条贷款人同意向借款人发放以下内容贷款 1、借款种类：_______________________________________________________ ____
2、借款用途：_______________________________________________________ ____ 3、借款金额(大写) 人民币 4、借款与还款期限： (1)借款与还款期限见下表。表中栏目不够填写而增写的附表，作为本合同组成部分。 借款还款 年月日金额年月日金额 (2)本合同记载的借款金额、借款日期、还款日期如与借款凭证记载不相一致时，以借款凭证记载为准。借款凭证为本合同的组成部分，与本合同具有同等法律效力。 (3)借款人提前还款，应当向贷款人提出书面申请，并征得贷款人同意。提前还款是利率不变，贷款人有权按本合同的
预定的借款期限计收利息。 5、利息计付： (1)本合同项下借款年利率为-____ %.短期贷款按本合同利率执行;中长期贷款利率按中国人民银行规定一年一定，第一年按本合同利率执行。 (2)本合同项下借款按____(季/月)结息，结息日为每_____(月/季末月)的第20日。 第二条除非满足以下先决条件，否则贷款人有权拒绝提供本合同项下贷款： 1、借款人在贷款人处开立________ 帐户，并通过该帐户办理与本合同项下贷款有关的往来结算和存款。 2、每次提款时，借款人已填妥有关借款凭证，并根据贷款人要求提供有关文件、资料。 3、若本合同项下贷款有抵押、质押担保，则借款人已根据贷款人要求办妥登记及/或保险等法律手续，且该担保、保
1、向同城招商银行的个人(含: 一卡通、存折、信用卡)账户、企事业单位账户转账： 正常情况下资金实时到账，不收手续费。 2、向同城其他银行账户转账： 选择普通到账模式的，正常情况下资金可在2个工作日到账，每笔转账交易收取手续费人民币2元；选择快速到账模式的，正常情况下资金可在半小时内到账，每笔转账交易收取手续费人民币3元（专业版MG 6.0. 3.0版本及以上版本可选择快速到账模式）；选择实时到账模式的，正常情况下资金可实时到账，每笔转账交易按转账金额的 0.2%收取,最低2元，最高20元（专业版MG 6.0. 3.7版本及以上版本可选择实时到账模式）；如发生退票情况，手续费不退。 3、向异地招商银行的个人（含一卡通、存折、信用卡）账户、企事业单位人民币汇款： 正常情况下资金实时到账；每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低为2元，最高为20元。 4、“本人招行账户互转”向异地招商银行的本人（含一卡通、存折、信用卡）账户外币汇款【需开通自助转账协议】： 正常情况下资金实时到账；每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低为2元，最高为20元。按交易币种收取手续费。
5、向异地其他银行账户汇款： 选择普通到账模式的，正常情况下资金可在5个工作日到账。每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低2元，最高为20元。选择快速到账模式的，正常情况下资金可在半小时内到账，每笔汇款交易按汇款金额的 0.5%收取手续费，最低2元，最高25元（专业版MG 6.0. 3.0版本及以上版本可选择快速到账模式）；选择实时到账模式的，正常情况下资金可实时到账，每笔转账交易按转账金额的 0.2%收取,最低2元，最高20元（专业版MG 6.0. 3.7版本及以上版本可选择实时到账模式）。如发生退票情况，手续费不退。 6、向境外银行账户汇款： 共有三个收费项： 汇出汇款手续费，为汇款金额的 0.1％，最低人民币100元，最高1000元；汇款通讯费为人民币150元/笔；钞汇互转手续费，（美元、港币按照汇款金额的 0.8％收取，最低人民币50元，其它币种按照汇款金额的1％至3％收取，最低人民币100元，仅当汇款出款账户为现钞时收取，出款账户为现汇时不收)。费用按承担人区分有两种方式： (1)“共同SHA”方式： 我行所有费用由汇出人承担，扣款账户均为汇出人（我行客户）的人民币账户。
The cooperation clause formulated through joint consultation regulates the behavior of the parties to the contract, has legal effect and is protected by the state. 消防器材销售合同正式版
消防器材销售合同正式版 下载提示：此协议资料适用于经过共同协商而制定的合作条款，对应条款规范合同当事人的行为，并具有法律效力，受到国家的保护。如果有一方违反合同，或者其他人非法干预合同的履行，则要承担法律责任。文档可以直接使用，也可根据实际需要修订后使用。 销售合同 合同编号： 需方： 供方：项目名称：供需双方经平等协商，一致同意签订本销售合同，条款如下： 一、供方同意为需方提供产品，需方同意购买供方所提供的产品。产品型号、数量及单价等详见本合同货物清单。 货物清单二、供需双方确认，需方应支付的货款总价为人民币￥160000.00（大写：壹拾陆万元整）。本货款总价不含
税。需方应按本合同的约定按时如数支付上述货款。 三、付款方式及期限： 供需双方确认，本合同采用以下方式付款，即： (1) 本合同签订后在日内需方应向供方支付购货定金（即人民币 大写 : 壹万陆仟元整）。 （2）货到工地支付至该批货款总额的60 %货款。 （3）消防验收通过后3日内支付至发货总额的 25 %货款。（4）货款总额的5%为质保金，质保期二年后3日内付清。 供需双方确认，需方以转帐支票或汇款方式汇至供方银行帐户。供方确认，供
招商银行的企业文化招商银行企业文化理念 （一）招银中期的三步走。 1、信息（网络化）。 能否适应信息化潮流是招商银行能否生存和发展的条件。随着信息技术和网络技术的发展，现阶段银行已经进入水泥加鼠标的时代，但这个阶段还是一个过渡阶段，未来银行可以利用网络资源做更多 的事情。银行可以成为网络资源的整合者，即通过银行，可以广泛 地发挥信息网络的作用。一提招商银行就是网络银行，一提网络银 行就是招商银行。信息化的建设不仅为招商银行树立了很好的社会 形象，还做出了区别传统银行的个性化服务。 2、资本市场化。 与发达国家资本市场已经取代商业银行成为金融体系的核心相比，中国的商业银行仍是企业融资的主要渠道，招商银行通过上市，可 以利用资本市场，通过买卖有价证券实现各种资产的有效组合，这 既可以减少银行的风险，又能拓展业务范围。 3、国际化。 国际化应包括股权国际化、机构国际化、产品服务国际化、管理国际化、人才国际化。国际化推进应坚持“依托整体业务，谨慎发展，规模适度”的原则，加快海外分支机构建设，加大外汇业务拓 展力度，大力发展与国际金融机构和外国金融机构的合作关系。 4、管理国际化战略的工作重点： 首先，要切实加快中间业务发展，这既是解决资本充足率问题的有效途径,也是实施国际化发展战略的必然要求。其次，逐步建立科 学的资本管理机制，通过“开源”和“节流”两条途径解决资本充 足率的问题。此外，将通过稳步实施组织管理体制改革，积极应用 国际化管理技术，抓紧实施国际化人力资源战略等手段,全面提升该 行的管理素质。
（二）立命之本：一三五定律。 “一”是指坚持一个思想，就是在经营和发展过程中，必须坚持效益、质量、规模协调发展的战略指导思想。 商业银行是高风险的企业，追求长期稳定增长是根本目的，效益好坏是检验一家银行经营水平高低的根本标志，是判断商业银行经 营好坏的最终标准。但银行的风险具有隐蔽性、滞后性和长期性， 银行利润的最大化通常要受到风险管理能力的约束，银行利润最大 化不是账面利润的最大化，更不是短期利润的最大化，而是经过风 险调整、质量过滤以后的利润最大化，所以，坚持效益最大化必须 以质量为前提。当然，效益最大、质量最好，也要以规模为前提， 三者需要动态性地协调。招商银行董事会对经营者的考核采用总资 产利润率为指标，总行对分行长的考核指标中，效益、质量、规模 三者协调发展是重要内容。 “三”：理性地对待市场、理性地对待同业、理性地对待自己。 金融市场是高风险市场，要以稳健的态度对待，做到市场热时不乱、冷时不怨，有效地防范风险。理性地对待市场：在波动起伏的 经济形势和复杂严峻的市场环境中，需要招商银行经营者保持足够 清醒，稳健经营，坚定审慎的发展理念。一方面，认真分析形势， 加强风险管理，营造风险文化，注重资产质量；另一方面善于把握 好发展的机遇，深入开拓市场，推进金融创新，实现商业银行更快、更好的发展。 理性地对待同业：体现在日常工作中，就是善于学习同业有益的经验，识别和摒弃那些不好的方面；就是遵循银行自身的发展规律 来经营招商银行，而不从众，不盲从别人的做法。因此，要做到理 性地对待同业，关键是能善于向竞争对手学习，同时保持求真务实 的态度。理性地对待自己：一家银行如同一个人，有优势，也有劣势，需要理性地对待自己，不骄不躁，扬长避短。要有危机意识， 不断追求卓越。 “五”：把握好五个方面的关系。
招商银行网上“企业银行”自助贷款授信合同编号：______年______字第______号 授信人：招商银行__________________（以下简称甲方） 地址：____________________________ 法定代表人/主要负责人：___________ 职务：____________________________ 授信申请人：______________________（以下简称乙方） 地址：____________________________ 法定代表人：______________________ 职务：____________________________ 经乙方申请，甲方同意向乙方提供总额人民币____________万元的网上自助贷款授信额度。现甲方与乙方按照有关法律规定，经充分协商，就下列条款达成一致，特订立本合同。 第1条授信额度 甲方向乙方提供人民币____________万元整的网上自助贷款授信额度。此授信额度是指甲方提供乙方通过甲方“一网通”中的网上“企业银行”系统自助提取流动资金贷款的最高限额。 第2条授信期间 授信期间为______年，即从______年______月______日起到______年______月______日止。乙方应在该期间内通过网上向甲方提出额度使用申请，甲方不受理乙方超过授信期间到期日提出的额度使用申请。 第3条授信额度的使用 3．1 在授信期间内，乙方可循环使用授信额度，但必须逐笔通过网上申请使用。乙方以数字证书方式产生的数字签名作为办理支取贷款以及通过网上归还贷款的有效签章，乙方授予甲方在其有关结算账户中扣收贷款本息的权利和根据借款金额填制借款凭证和还款凭证的权利。
Both parties jointly acknowledge and abide by their responsibilities and obligations and reach an agreed result. 甲方：___________________ 乙方：___________________ 时间：___________________ 消防器材销售合同
编号：FS-DY-20480 消防器材销售合同 销售合同 合同编号： 需方： 供方：项目名称：供需双方经平等协商，一致同意签订本销售合同，条款如下： 一、供方同意为需方提供产品，需方同意购买供方所提供的产品。产品型号、数量及单价等详见本合同货物清单。 货物清单二、供需双方确认，需方应支付的货款总价为人民币￥160000.00（大写：壹拾陆万元整）。本货款总价不含税。需方应按本合同的约定按时如数支付上述货款。 三、付款方式及期限： 供需双方确认，本合同采用以下方式付款，即： (1) 本合同签订后在日内需方应向供方支付购货定金（即人民币
大写: 壹万陆仟元整）。 （2）货到工地支付至该批货款总额的60 %货款。 （3）消防验收通过后3日内支付至发货总额的25 %货款。（4）货款总额的5%为质保金，质保期二年后3日内付清。 供需双方确认，需方以转帐支票或汇款方式汇至供方银行帐户。供方确认，供方的开户单位: ；开户银行:招商银行深圳时代分行；账号:*********************。 四、关于现金支付的特别约定 供方特别声明：供方如不接受本合同第三条约定方式付款，如需方向供方业务员支付现金或者以供方业务员为收款人开具现金支票，须我司开具收款委托书,否则均不能被视为需方向供方已支付货款。货款未付清时货物所有权仍归供方所有。 五、交货期限： 在需方已按合同要求如期足额交付定金、预付款的条件下，供方应于年月日之前向需方交付本合同附件所列之货物，具体发货数量以需方通知为准，（通知应采用书面方式，
附10 凭证种类:8052/凭证代码:103 凭证号： 招商银行网上“企业银行”子公司业务授权书 招商银行： 鉴于本公司及我母公司/总公司作为集团公司整体开通了统一编号的招商银行网上“企业银行”服务，且我母公司/总公司已与招商银行__________（填写母公司/总公司开户行名称，下称“母公司开户行”）签订了《招商银行网上“企业银行”集团公司服务协议》，通过银行电脑系统设置了母子公司间的账务关系，本公司知悉并确认该《服务协议》的内容，并同意将我司在贵行开立的下列账户的指定业务类别提供给我母公司/总公司进行操作，并授权贵行向我母公司/总公司开放网上“企业银行”子公司相关业务操作功能。 母公司/总公司信息： 企业名称京信通信系统（中国）有限公司开户地广州 企业银行编号N1304928 开户行招商银行广州高新支行 本公司资料： 公司户名企业代码 开户行 授权开通业务类别：（不授权开通的请用横线整项划掉，授权开通的请在业务类别前面的方框内打“√”，相关业务授权后表明母公司/总公司可以通过网上企业银行在子公司授权账户中进行该项业务有关操作。） □账务查询账号 （选择开通本功能，则母公司在授权账户上进行账务查询） □内部转账账号 （选择开通本功能，则母公司在授权账户上进行内部转账操作） □支付业务账号 （选择开通本功能，则母公司在授权账户上进行支付业务操作） □直接支付账号 （选择开通本功能，则母公司在授权账户上通过直联方式进行直接支付操作）
□代发工资□直接代发工资账号 （选择开通本功能，则母公司在授权账户上进行代发工资或直接代发工资操作） □票据业务：本公司同意将我司在贵行托管的实物票据（含银行承兑汇票、商业承兑汇票）与电子票据（含招商银行电子银行承兑汇票、招商银行电子商业承兑汇票）交由我母公司/总公司代理操作，并授权贵行向我母公司/总公司开放网上“企业银行”子公司票据业务操作功能。本公司在此确认我母公司/总公司代理本公司办理的网上票据业务，均视为本公司办理的业务，其相应法律后果也由本公司承担。（打“√”选择票据业务则本条款适用。） □其他代发□直接其他代发账号代码及种类： （选择开通本功能，则母公司在授权账户上进行其他代发或直接其他代发操作，代发种类从下列选择） 其他代发种类及代码：001工资、002养老金、004奖金、005补贴费、006劳务费、007奖学金、008加班费、010救济金、011 保险费、012资本收益、013债产权 转让、014个人贷款、015证券期货款、016继承赠与款、017纳税退还款、 018农副产品销售款、019报销款、020网上交易费、021信托返还资金、022 福利费、905现金池利息、999其他 □代扣业务□直接代扣账号代码及种类： （选择开通本功能，则母公司在授权账户上进行代扣或直接代扣操作，代扣种类从下列选择）网上代扣种类：001水费、002电费、003水电费、004批量扣费、005煤气费、006物业管理费、007手机费、008电话费、009上网费、010有线电视费、011保险 费、012财产保险费、013人寿保险费、014税费、016学费、017清洁费、 018房租、019按揭费、020贷款利息、021贷款本金、022代扣污水费、023 垃圾费、024超计划用水、025出租车规费、026委托贷款本息、999其他□外币现金池账号 （选择开通本功能，则允许母公司在授权账户上进行外币现金池业务操作） □信用查询(无须填写账号) （选择开通本功能，则允许母公司在授权账户上进行信用查询） □自助贷款□直接自助贷款 （选择开通本功能，则允许母公司在授权账户上进行自助贷款或直接自助贷款操作）