固定资产贷款项目设计有概算、施工有预算、竣工有决算(以下简称“三算”),是工程建设的客观需要,由于概算通常由建设单位编制(即:借款单位,下同),预算、决算大都由施工单位编制,因而往往出现:“宽打多要”、故意隐瞒以及错误、遗漏等现象,为了优化、监督、控制信贷资金使用,合理确定工 The design of fixed assets loan project has budget estimates, construction budget, and final accounts (hereinafter referred to as “three counts”), which are objective needs of project construction. Since the estimates are usually prepared by the construction unit (ie borrowers, similarly hereinafter) Budget and final accounts are mostly prepared by the construction unit, so often appear: “wide to play ”, deliberately conceal and errors, omissions and other phenomena, in order to optimize, supervise, control the use of credit funds,