Guidelines for Mineral Mortgage Financing
Guidelines for Mineral Mortgage Financing
矿产抵押融资指引 Guidelines for Mineral Mortgage Financing
主要矿类项目标准
Main Mining Project Standards
针对持有采矿权证的企业，建设、在产或收购矿山的过程中有资金需求，最高
可按投资额的50%进行配资，矿产品种可为煤矿、铁矿、铝矾土矿、铅锌矿、
铜矿、萤石矿、磷矿、锰矿。
For enterprises holding mining rights, if they need funds in the process
of building, producing or acquiring mines, up to 50% of the investment
amount can be allocated. Mineral products can include coal, iron ore
bauxite, lead-zinc, copper, fluorite, phosphate and manganese.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
剩余服务年限
Remaining service life
新建矿山、改扩建矿山、停建矿山：剩余服务年限不低于6 年。
在产矿山、停产矿山：融资到期后剩余服务年限不低于3年，
即若项目提报时矿山剩余服务年限为T 年，融资期限为X 年，则T-X≥3。
New mines, mines under renovation and expansion, and mines under
suspension: The remaining service life shall not be less than 6 years.
In-production mines and suspended mines: The remaining service life
after the financing expires shall not be less than 3 years, that is,
if the remaining service life of the mine is T years when the project
is submitted, and the financing period is X years, then T-X ≥ 3.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
生产规模
Production scale
除主焦煤外的其他煤种不低于60 万吨/年
Other types of coal except coking coal shall not be lessthan 600,000 tons/year.
主焦煤可适当降低标准，
The standard of main coking coal can be appropriately lowered.
但不低于各地煤炭产能（引导）退出生产规模，其中，各地（引导）退出生产规模包括：山西、陕西、内蒙古、新疆（不含喀什、克州、和田、阿勒泰及个别边远缺煤县市）：60 吨（不含）以下；
But not less than the coal production capacity (guided) withdrawalscale in various places, among which, the (guided) withdrawal scale in various places includes: Shanxi, Shaanxi, Inner Mongolia, Xinjiang (excluding Kashgar, Kezhou, Hotan, Altay and some remote coal-deficient
counties and cities): 60 tons (inclusive) or less;
其他地区：30 万吨（不含）以下。若标的矿山储量较大，具备产能指标置换能力的，可另行讨论。其中，产能指标置换能力是指实控人可通过矿山整合或购买产能指标来保证标的矿山不受政策性风险影响而退出。
Other regions: 300,000 tons (inclusive) or less.If the target mine has a large reserve and has the ability to replace production capacity indicators, it can be discussed separately. Among them, the ability to replace production capacity indicators means that the actual controller can
ensure that the target mine is not affected by policy risks and exit throughmine integration or purchase of production capacity indicators.
其余品种矿山均可一事一议。
Other types of mines can be discussed on a case-by-case basis.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
合规证照/文件
Compliance certificates/documents
新建矿山：采矿证、初步设计及批复。
New mines: mining license, preliminary design and approval.
改扩建矿山：采矿证、生成能力核定批复（涉及产能提升）、初步设计及批复。
Renovation and expansion of mines: mining license, approval of generation
capacity verification (involving capacity increase), preliminary design and
approval.
停建矿山：采矿证、生成能力核定批复（涉及产能提升）、初步设计及批复、
复工建设方案及批复。
Suspended mines: mining license, approval of generation capacity
(involving capacity increase), preliminary design and approval
在产矿山：采矿证、生成能力核定批复（涉及产能提升）、初步设计及批复、
矿长资格证、安全生产许可证。
In-production mines: mining license, approval of production capacity
(involving capacity expansion), preliminary design and approval, mine
manager qualification certificate, and safety production license.
停产矿山：采矿证、生成能力核定批复（涉及产能提升）、初步设计及批复、
矿长资格证、安全生产许可证（视停产原因获取）、整改方案及批复（需
由煤矿安全监管部门负责验收）。
Suspended mines: mining license, approval of production capacity
(involving capacity increase), preliminary design and approval, mine manager
qualification certificate, safety production license (obtained depending
on the reason for suspension), rectification plan and approval (need to
be accepted by the coal mine safety supervision department).
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
采矿用地情况
Mining land situation
不存在影响建设与生产障碍。涉及占用林地、草地、改建公路的需在放款前
取得有审批权限的林业、草原和道路主管部门审核同意核发准予行政许可
决定书。占用居民居住用地的需关注搬迁补偿事项的可行性和进展。
There are no obstacles that affect construction and production.
If it involves the occupation of forest land, grassland, or reconstruction
of roads, it is necessary to obtain the approval of the forestry, grassland,
and road authorities with approval authority before the loan is released.
If it involves the occupation of residential land, attention should be paid
to the feasibility and progress of relocation compensation.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
安全生产情况
Production safety situation
不存在出现安全事故未整改完成的情况。若三年内连续（两次及以上）
出现较大及以上级别事故，除整改完成外还需交由第三方国企整体托管。
There is no situation where safety accidents have not been rectified. If there are two or more serious accidents within three years, in addition to the rectification, the company must be entrusted to a third-party state-owned enterprise for overall management.
开采地质条件（不存在以下任意情况之一）
Mining geological conditions (none of the following conditions exist)
极复杂的开采地质条件，符合条件的煤与瓦斯突出矿井（含按煤与瓦斯突出管理的矿井）除外；其中，符合条件的煤与瓦斯突出矿井需要满足以下任一条件：
1、标的矿井未发生过双突事故，且实控人或主要管理人员（总经理、总工程师）具备煤与瓦斯突出矿井生产管理经验不低于5 年，管理的该类矿山未出现过事故；2、该等煤与瓦斯突出矿井需交由第三方国企整体托管。
Extremely complex mining geological conditions, except for qualified coal and gas outburst mines (including mines managed according to coal and gas outburst); among them, qualified coal and gas outburst mines need to meet any of the following conditions: 1. The target mine has not had a
double outburst accident, and the actual controller or main management personnel (general manager, chief engineer) has no less than 5 years of production management experience in coal and gas outburst mines, and no accidents have occurred in such mines under their management; 2. Such coal and gas outburst mines need to be entrusted to a third-party state-owned enterprise for overall management.
中等冲击地压情况。复杂的水文地质条件。
Moderate rock burst conditions. Complex hydrogeological conditions.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
煤矿项目规模要求
Coal Mine Project Scale Requirements
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
融资条件
Financing conditions
1、满足矿山筛选标准的项目；
2、项目采矿权证抵押，项目公司股权质押；
3、原则上企业对于项目自有资金投入比例不低于50%，对于优质项目，
可适当放宽投资比例，具体比例按项目实际情况另行商议；
4、配资金额单笔不超过7 亿元；
5、融资期限不超过5 年，可选择提前还款。
Projects that meet the mine screening standards;
Project mining rights certificate mortgage, project company equity pledge;
In principle, the proportion of the company’s own capital investment in the
project shall not be less than 50%. For high-quality projects,
the investment ratio may be appropriately relaxed, and the specific ratio
shall be negotiated separately according to the actual situation of the
project;
The single allocation amount shall not exceed 700 million yuan;
The financing period shall not exceed 5 years, and early repayment may be selected.
Guidelines for Mineral Mortgage Financing
矿山准入标准
Mine access standards
操作流程
Operating procedures
1、提供简易资料，初步判断可行性，确定融资意向；
2、收集项目相关资料，项目安排正式尽调；
3、项目上会审批，确定最终配资方案；
4、签订相关合同条款，项目办理抵/质押手续；
5、按约定放款；
6、贷后管理。
各方配合顺利的情况下，一般操作周期为2 个月
Provide simple information, make a preliminary judgment on feasibility,
and determine the financing intention;
Collect project-related information and arrange formal due diligence for the project;
The project is reviewed and approved, and the final financing plan is determined;
Sign relevant contract terms and the project goes through mortgage/pledge procedures;
Disburse loans as agreed; Post-loan management.
If all parties cooperate smoothly, the general operation cycle is 2 months