Friend, let's understand it separately. First of all, you need to know the meaning of the balance, that is, a loan of 300,000 yuan has been approved and issued, and 6,543,800 yuan has been paid back, leaving 200,000 yuan, so this 200,000 yuan is the balance. This is a single business.
For a department of financial institutions, it will be divided into many products, some for large enterprises, some for small and medium-sized enterprises, some for small and micro enterprises and different products. Generally, the performance of a department will be evaluated and the quantity, amount and balance of various loans will be counted. Then according to the description of the balance, I believe you already know.
New loans for small and micro enterprises are loans for small and micro enterprises within a certain period of time, excluding the repaid part and the remaining part.
I hope you know it in detail.
2. What does it mean to increase the loan balance of small and micro enterprises?
Friend, let's understand it separately. First of all, you need to know the meaning of balance, that is, once 300,000 yuan has been paid, 654.38+ 10,000 yuan has been repaid. This is a single business.
For a department of a financial institution, it will be divided into many products, including different products for large enterprises and small and micro enterprises. Generally speaking, evaluating the performance of a department will count the quantity, amount and description of various loans, which I believe you already know.
New loans for small and micro enterprises are loans for small and micro enterprises within a certain period of time, excluding the repaid part and the remaining part.
I hope you know it in detail.
3. What is the difference between small and micro enterprise loans and small and micro enterprise loans?
In recent years, some joint-stock banks and city commercial banks have turned their attention to the small and micro enterprise market, and according to small and micro enterprises
The characteristics of new processes and standards such as loan application, review and interest rate.
As we all know, loans can be divided into mortgage loans and mortgage loans if they are divided according to whether there is collateral or not.
Mortgage loans are mostly large loans. If it is a corporate loan, the enterprise needs to have a strong factory or
Complete hardware facilities and good operating conditions. These are not what small and micro enterprises can satisfy.
In the process of unsecured and unsecured loans for small and micro enterprises, the interest rate is only loans for small and micro enterprises controlled by banks.
One of the means of adventure. There are many ways for banks to evaluate the loan ability of enterprises.
In this process, we will conduct a comprehensive inspection of customers, focusing on two major aspects-quantitative analysis and non-quantitative analysis.
Quantitative analysis includes financial statements, bank statements, enterprise credit and operating conditions, cash flow and so on.
Surface analysis. Non-quantitative analysis is an analysis of personal credit, the personality of borrowers and major shareholders, and the repayment ability.
Force analysis, etc. Small and micro business owners who need loans can also refer to these standards to improve and improve.
The ability of one's own enterprise to obtain loans.
For example, the characters of borrowers and major shareholders. In order to check the character of lenders and major shareholders, the bank's
The credit manager and the credit department directly communicate with customers and major shareholders, talk to him and talk about his work here.
The insight of the industry, his creativity, the prospect of the future company, his understanding of the whole international market, and him
Industry experience. Banks will also learn more information through other channels, such as their suppliers.
Through his buyers, through his reputation in the market, through the media, you can understand the management and his way of doing things.
Is Buddhism accurate and loyal?
In addition, it is common for small and micro enterprises to have incomplete, inaccurate or missing statements. Facing small and micro individuals
Merchants, at present, in addition to checking financial statements, front-line loan officers have a more effective way to directly check the copy of the contract.
The counterparty and contract amount shown in the contract are more direct and effective for the bank to judge the enterprise status.
Business owners should also pay attention to this.
Typing is not easy. If you are satisfied, please adopt it.
Four, rural credit cooperatives Fuxiang convenience card mobile banking loan amount and loan balance is the same meaning?
Fuxiang convenience card is a functional debit card product carefully created by rural credit cooperatives for farmers, self-employed, urban residents and small and micro enterprise owners. It is an organic combination of traditional credit business and electronic banking business, a symbol of cardholder's credit identity, and a new mode of modern business and consumption.