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    <td width="672" height="10" colspan="3" bgcolor="#f2f2f2" align="center"><p style="font-weight:bold; padding:10px;">北京金典小额贷款股份有限公司典型案例分析</p></td>
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    <td width="672" bgcolor="#f2f2f2" align="center" valign="top" colspan="3"><p style="font-family:宋体; font-size:12px; color:#777777">发布时间：2011-12-5 10:54:51</p></td>
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    <td width="532" bgcolor="#f2f2f2" align="left" valign="top"><p style="font-family:宋体; font-size:12px; color:#777777">&nbsp; 
<p style="TEXT-ALIGN: center; MARGIN-LEFT: 33.75pt" class="MsoNormal" align="center"><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">北京金典小额贷款股份有限公司典型案例分析<span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></span></b></p>
<p style="TEXT-INDENT: 42pt; mso-char-indent-count: 3.0" class="MsoNormal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">农户：董昆<span lang="EN-US"><o:p></o:p></span></span></p>
<p style="TEXT-INDENT: 21pt; MARGIN-LEFT: 42.75pt; mso-char-indent-count: 1.5; mso-para-margin-left: 4.07gd" class="MsoNormal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">董昆，昌平区沙河镇丰善村人，家庭投资创立并经营北京酷库餐饮管理有限公司，该公司在沙河大学城内承包了多家学校的餐厅，主要经营项目是餐饮管理。<span lang="EN-US">2010</span>年公司与北京南地绿都种植场签订了承包位于南邵镇张各庄的南地绿都种植场的<span lang="EN-US">194</span>亩生态园的经营合同，其中包括范围内有日光温室<span lang="EN-US">36</span>栋（<?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chmetcnv w:st="on" unitname="平方米" sourcevalue="18000" hasspace="False" negative="False" numbertype="1" tcsc="0"><span lang="EN-US">18000</span>平方米</st1:chmetcnv>）；塑料大棚<span lang="EN-US">23</span>栋（<st1:chmetcnv w:st="on" unitname="平方米" sourcevalue="9200" hasspace="False" negative="False" numbertype="1" tcsc="0"><span lang="EN-US">9200</span>平方米</st1:chmetcnv>）；办公室及配送车间<st1:chmetcnv w:st="on" unitname="平方米" sourcevalue="300" hasspace="False" negative="False" numbertype="1" tcsc="0"><span lang="EN-US">300</span>平方米</st1:chmetcnv>；冷库、保鲜库<st1:chmetcnv w:st="on" unitname="平方米" sourcevalue="100" hasspace="False" negative="False" numbertype="1" tcsc="0"><span lang="EN-US">100</span>平方米</st1:chmetcnv>；餐厅及会议室<st1:chmetcnv w:st="on" unitname="平方米" sourcevalue="800" hasspace="False" negative="False" numbertype="1" tcsc="0"><span lang="EN-US">800</span>平方米</st1:chmetcnv>；机井<span lang="EN-US">2</span>眼（含<span lang="EN-US">2</span>台水泵及配套管道）；交通工具、农田作业机械设备、办公设备物件等，承包期限<span lang="EN-US">30</span>年。该公司计划在原有的<span lang="EN-US">36</span>栋日光温室、<span lang="EN-US">23</span>栋塑料大棚、冷库及餐厅等的基础上进行扩建和改建，用于进行观光采摘和承包餐厅的蔬菜水果供应，致使前期资金投入不足。但是由于该公司经营时间短、注册资金少、经营规模小，与大学城内多家学校的餐厅承包合同书面手续资料不全，借款人的借款申请被昌平各大银行驳回。<span lang="EN-US"><o:p></o:p></span></span></p>
<p style="TEXT-INDENT: 21pt; MARGIN-LEFT: 42.75pt; mso-char-indent-count: 1.5; mso-para-margin-left: 4.07gd" class="MsoNormal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">我公司经过详细信贷调查，认为其承包餐厅经营手续不全的原因是目前大学餐厅承包经营机制所致，其承包合同及承包事实确实存在。该公司与北京南地绿都种植场签订的承包经营协议真实合法，其借款用途真实，确有自筹资金的行为，虽然公司成立时间短、注册资金少但承包经营项目符合国家农业政策、项目前景看好，该公司承包经营学校餐厅，收入稳定，有足够的还款能力，最终批准该公司法人代表董昆个人申请以李玉波位于昌平回龙观地区的房产作抵押担保的<span lang="EN-US">300</span>万元贷款，并于抵押登记当日即发放贷款<span lang="EN-US">300</span>万元，解决了该绿地承包经营项目先期投入的资金缺口。<span lang="EN-US"><o:p></o:p></span></span></p>
<p style="TEXT-INDENT: 21pt; MARGIN-LEFT: 42.75pt; mso-char-indent-count: 1.5; mso-para-margin-left: 4.07gd" class="MsoNormal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">客户拿到该笔借款后，马上投入扩建和翻新日光温室和大棚。经过近三个月，目前该项目已经在原有的承包土地四面建起了围墙，改建了原有的塑料大棚，并兴建了新大棚，增加了鱼池、假山等配套设施。大棚生产的蔬菜水果供应自己承包的餐厅，既有效保证了餐厅食品原料供应的卫生安全，又降低了餐厅经营成本，可谓实现了第一产业与第三产业的有效链接。随着五一旅游旺季的到来，该观光采摘园已经正式对外试营业，试营业期间，日均接待游客逾百人次，按照采摘加餐饮人均消费额一百元计算，月均营业额逾<span lang="EN-US">30</span>万元。<span lang="EN-US"><o:p></o:p></span></span></p>
<p style="TEXT-INDENT: 21pt; MARGIN-LEFT: 42.75pt; mso-char-indent-count: 1.5; mso-para-margin-left: 4.07gd" class="MsoNormal"><span style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 14pt">经过我公司实地贷后调查了解，该借款人正准备着手在承包土地上兴建室内恒温的温室大棚，内部可种花、种菜，建设更大规模的集餐饮、休闲、娱乐于一体的农家餐饮观光山庄。<span lang="EN-US"><o:p></o:p></span></span></p></p></td>
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