津巴布韦金矿抵押贷款资料清单及参考(中、英文版by Tom)20111128

海外矿产资源抵押贷款参考

Reference for the Mortgage Loan on the Mineral Resources

根据对中国金融机构对（海外）矿产资源抵押贷款服务的了解，总结出如下一些矿产资源抵押融资的关键环节，并为津巴布韦金矿资源抵押融资提供参考：

According to the consultation from the Chinese financial institutions on the mortgage services and loans on the (overseas) mineral resources, we summarized some of the key points to provide some useful references for mortgage financing on the mines and mineral resources in Zimbabwe.

一、采矿权（矿产资源）抵押贷Mortgage loans of mining right (mineral

resources)

采矿权抵押贷款是指以借款人依法拥有的矿山开采权设作抵押申请借款的行为，在抵押权延续期间,抵押人不得转移对矿山资源资产的占有，借款人到期不能偿还贷款本息的，贷款人有权依法处理其抵押权。

Mortgage loan on the mining right is for the borrowers who have the rights of the mining or the mineral resources to apply for the loan by mortgage on their property. During the mortgage period, the borrower shall not transfer the possession of its mining right or its mining resources, and the lender is entitled to dispose the mortgage if the borrower could not repay the loan within the given time.

抵押贷款金额一般为银行认定的采矿权（矿产资源）评估价值的50% ～70%。

The actual amount of the loan is about 50% to 70% of the value that the bank could recognize and accept of value of the whole mining right (mining resources) evaluated.

二、贷款需要提供的资料清单：List of documents for the loan application

向中国金融机构申请采矿权（矿产资源）抵押贷款，通常需要提供以下贷款方（银行）所认可的证明文件和资料（不同的融资项目所需提供的资料可能有所差别）：

Usually, the borrower should provide the following documents and materials that the lender (Chinese bank) could recognized for the application of the mortgage loan on the mining right or mineral resources, and the list of the documents may be different according the financing project.

1、借款方企业及资信介绍；

Introductions of the business and credit conditions of the borrower;

2、采矿权（矿产资源）融资抵押申请书；

Application letter for the mortgage loan on mining right (mineral resources);

3、采矿权（矿产资源）所有者的营业执照、法人身份证、公司章程及借款方的资质等

证明文件；

Documentary evidence of the business license of the owner of the mining right

(mineral resources), identity card, articles of association and the borrower’s

qualifications, etc;

4、矿产管理等机构出具的矿产资源勘察及开发利用情况报告；

Exploration and exploitation reports issued by the mineral management agencies;

5、《采矿许可证》、《林地占用许可证》、《安全生产许可证》等法律证件及取得采矿权

的有关法律证明；

The legal certifying documents like Mining License, Safety Production Permit and other certificates related to the mining right (mineral resources);

6、法律所规定的所有矿产资源管理机构所出具的矿产抵押贷款许可及审批文件；

The legal approval documents and permits on the mortgage loan issued by the mineral management agencies.

7、具备矿业权评估资质的评估机构出具的符合国际规范和标准的采矿权（矿产资源）

价值评估报告、审查意见书和确认文件（原件及有关附件、附表、附图）；

The evaluation reports, the legal opinions or the confirmation documents on the value of mining right (mineral resources) for the mortgage loan issued by the evaluation

institutions under the international norms and standards with the originals, and

accessory tables, figures and files;

8、津巴布韦本地律师事务机构所出具符合国际规范的独立意见的评估报告，内容包括：

矿产资源方面的政策和法律、矿产资源抵押的合法性和风险评估、融资信用结构可行性、矿产资源的处置方案等；