Bank credit funds block chain loans

1.

1. Liquidity loan is a kind of working capital loan, which is issued to meet the short-term capital demand of the proction and operation process and ensure the normal proction and operation activities

according to the loan term, it can be divided into short-term liquidity loans within one year and medium-term liquidity loans from one year to three years; According to the way of loan, it can be divided into guarantee loan and credit loan, among which guarantee loan is divided into guarantee, mortgage and pledge

according to the way of use, it can be divided into short-term revolving loans that are applied for and approved one by one, and short-term revolving loans that are borrowed, used and repaid at the time and within the limit specified by the bank

2. Credit extension refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee made by commercial banks to customers' compensation and payment liabilities in relevant economic activities

including on balance sheet business such as loan, trade financing, bill financing, financial leasing, overdraft and various advances, as well as off balance sheet business such as bill acceptance, issuance of letter of credit, letter of guarantee, standby letter of credit, confirmation of letter of credit, bond issuance guarantee, loan guarantee, asset sales with recourse, unused and irreversible loan commitment, etc

simply speaking, credit extension refers to the behavior that the bank directly provides financial support to customers, or guarantees the credit of customers in relevant economic activities to a third party

credit can be divided into short-term credit and medium and long-term credit according to term. Short term credit refers to the credit within one year (including one year), and medium and long term credit refers to the credit more than one year

extended data:

according to the loan term, the working capital loan is divided into temporary loan, short-term loan, medium-term loan, etc

(1) temporary loan refers to the working capital loan with a term of less than 3 months (including 3 months), which is mainly used for the temporary need of one-time purchase and to make up for the shortage of other seasonal payment funds

(2) short term loan refers to the working capital loan with a term of 3 months to 1 year (excluding 3 months and including 1 year), which is mainly used for the capital demand of normal proction and operation of enterprises

(3) the medium-term loan refers to the working capital loan with a term of 1-3 years (excluding 1 year and including 3 years), which is mainly used for the regular turnover occupation and initial working capital loan in the normal proction and operation of enterprises

The scope of basic credit should include:

(1) the maximum credit line of the whole bank to each region

(2) the maximum credit line of the whole bank to a single customer

(3) the maximum credit line of a single branch to its service area

(4) the maximum credit line of a single business department and branch to a single customer

(5) the amount of credit granted to a single customer in different ways (loan, discount, guarantee, acceptance, etc.)

the scope of special credit includes:

(1) the credit that needs to be increased e to the changes of regions and customers

(2) e to the changes of the national monetary and credit policies and the market, the additional credit exceeds the basic credit

(3) temporary credit for special project financing

2. The meaning of issuing credit funds is very simple, that is, the bank gives a certain credit line to an enterprise. The bank first evaluates an enterprise, and finally gives the enterprise a certain amount. Enterprises can make loans within the scope.

3. The essence, principle and method of credit and loan are different< First, the essence of credit is different:
1. The essence of credit: credit refers to the behavior that the bank directly provides financial support to the customer or guarantees the credit of the customer to a third party in the relevant economic activities
2. The essence of loan: it refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay< Secondly, the principles of credit granting are different:
1. Principles of credit granting:
(1) differentiated credit granting should be implemented according to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risk status and other factors of different regions
(2) different credit lines should be determined according to the operation and management level, asset liability ratio, loan repayment ability and other factors of different customers
(3) the credit line for each region and customer should be adjusted in time according to the financial risk of each region and the change of customer's credit
(4) the amount of each loan and the total amount of actual loans should be determined within the established credit line according to the local and customer's actual capital needs, repayment ability, credit policy and the bank's ability to provide loans. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks< (1) loan security is a problem that commercial banks are facing
(2) liquidity refers to the ability to recover the loan according to the scheled period or realize the loan quickly without loss, so as to meet the needs of customers to withdraw the deposit at any time
(3) efficiency is the basis of continuous operation of banks< Third, there are different ways of credit extension:
1. Credit extension: there are two ways of credit extension: basic credit extension and special credit extension
2. The way of loan: in a broad sense, loan refers to the way of loan, discount, overdraft and so on
the content of this article comes from: financial code of the people's Republic of China: application edition, China Law Press

4.

Credit loan is similar to credit card function. But credit loans generally need real estate mortgage. It has interest. Credit loans are divided into revolving credit and non revolving credit. Revolving credit refers to that ring the credit period, customers can repeatedly obtain loans whose total balance does not exceed the credit amount, while non revolving credit refers to that ring the credit period, customers' accumulated loan amount does not exceed the credit amount

< H2 > development data

the following materials should be prepared to apply for personal credit loan:

1. Personal credit line application form

2, the identity certificate of the borrower and spouse, registered residence certificate and marital status certificate; p>

3. The stable economic income of the borrower and his / her spouse

4, applicants for mortgage amount shall provide the real estate warrants, valuation materials, other property owners and their spouses' identity certificates, registered residence certificates, marital status certificates and the consent of the owners to mortgage for the maximum amount of mortgage. p>

5. The applicant applying for the amount of pledge must provide the pledge, the ownership certificate and the certificate of the person with the right to dispose of the pledge

6. The applicant applying for the credit line must provide other assets in his / her name, including the bank's or other bank's certificates of deposit, treasury bonds, financial procts, real estate, stock market value, fund market value, etc

< H2 > reference materials network credit loan

5. During the credit investigation, if it is found that the borrower's loan in the bank has one of the following situations, and the situation statement approved by Everbright Bank cannot be provided, Everbright Bank will not issue any loan to the borrower
1. The current loan status is overe
2. In the past two years, there has been a bad record of overe for more than 60 days in a row, or the accumulated overe record has exceeded 6 times (except for the proof e to the borrower's negligence and with special reasonable explanation)
3. The credit card is overdrawn maliciously [the credit card account is in abnormal state, and the amount of debt is more than 3000 yuan (inclusive)]
Everbright Bank's personal credit loan for salary payment refers to the current salary easy loan, which is an unguaranteed loan for personal consumption issued by Everbright Bank to specific clients for salary payment.

6.

1. Different content

credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee for the compensation and payment liability of customers in relevant economic activities, including loan, trade financing, bill financing, financial leasing, overdraft,

various advances and other on balance sheet business, as well as bill acceptance, issuance of letter of credit, letter of guarantee Off balance sheet business such as standby letter of credit, confirmation of letter of credit, bond issuance guarantee, loan guarantee, asset sales with recourse, unused and revocable loan commitment, etc

loan is a form of credit activity in which banks or other financial institutions lend money at a certain interest rate and must repay. In a broad sense, loans refer to loans, discount, overdraft and other lending funds

Different ways of repayment: the sum of the principal and interest of the loan is a way of monthly repayment. Housing provident fund loan and commercial personal housing loan of most banks adopt this method. In this way, the monthly repayment is the same

commercial bank credit can be divided into basic credit and special credit. Basic credit line refers to the credit line determined by commercial banks according to the national credit policy and the basic situation of each region and customer

According to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risk status and other factors of different regions, differentiated credit should be implemented

the "three principles" of loans refer to security, liquidity and efficiency, which are the fundamental principles of commercial banks' loan management

7.

There are three differences between credit extension and loan:

1. The essence of credit extension: in short, credit extension refers to the behavior that the bank directly provides financial support to customers or guarantees the credit of customers to a third party in relevant economic activities

The essence of loan refers to a form of credit activities in which banks or other financial institutions lend money at a certain interest rate and must return it. By means of loans, the bank can release the concentrated money and monetary funds, which can meet the needs of social expansion of reproction for supplementary funds and promote economic development. At the same time, the bank can also obtain loan interest income and increase the bank's own accumulation

Second, the two principles are different:

1. Principles of credit granting:

(1) differentiated credit granting should be implemented according to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risk status and other factors of different regions

(2) different credit lines should be determined according to the operation and management level, asset liability ratio, loan repayment ability and other factors of different customers

(3) the credit line for each region and customer should be adjusted in time according to the financial risk of each region and the change of customer's credit

(4) the amount of each loan and the total amount of actual loans should be determined according to the local and customer's actual capital needs, repayment ability, credit policy and the bank's ability to provide loans. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks

(1) loan security is the most important problem for commercial banks

(2) liquidity refers to the ability to recover the loan according to the scheled period, or realize the loan quickly without loss, so as to meet the needs of customers to withdraw the deposit at any time

(3) efficiency is the basis of continuous operation of banks

Third, the ways of credit are different:

1. Ways of credit: the credit of commercial banks is divided into basic credit and special credit

The way of loan: in a broad sense, loan refers to the way of loan, discount, overdraft and so on

8. The purpose of the loan, the source of repayment and the business situation, asset status, profitability and other aspects of the enterprise are investigated, and the loan period and amount are finally determined