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What does a loan mean? The explanation is as follows:
1. A simple and popular understanding of a loan is to borrow money with interest.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Related description:
1. Banks will put concentrated monetary and monetary funds through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. "Three natures" refers to safety, liquidity and efficiency, and is the fundamental principle of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land to meet the customer's demand for withdrawal of deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income will be good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be no problem.
Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds, which is the use price of funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rates or financial asset prices can be determined according to this benchmark interest rate. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, we need a recognized benchmark interest rate level as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The higher the benchmark interest rate, the more interest; The lower the benchmark interest rate, the lower the interest rate.