1. Make up for the gap in the base currency: Although the central bank keeps reducing the RRR, there are many different opinions after the RRR cut. There are too many stories hidden behind the central bank's unwillingness to reduce RRR again, and it is very necessary to pledge credit assets to refinance. 2. Carry out the direction control to the end. Commercial banks have been reluctant to lend to small and medium-sized enterprises, and now credit pledge business needs four processes: rating banks; Rating loan enterprises; Asset archiving and verification; Loan application and issuance. 3. Effectively reduce the financing cost of the real economy. If the pledge of central bank credit assets can become the financing cost of banks, it will reduce the expected annualized interest rate of loans to some extent. 4. As the newly-increased foreign exchange holdings continue to decrease, credit asset pledge and refinancing play a springboard role. 5. Mortgage of credit assets has played a role in adjusting the structure to a certain extent, which can provide differentiated incentives for financial institutions, but the increase of micro-control discretion of central bank branches may also bring new confusion to financial institutions.

Second, what are the benefits of refinancing with credit assets as collateral?

For example, if you make a down payment of 500,000 yuan and borrow 500,000 yuan to buy a shop with a value of 6,543.8+0,000 yuan, this shop can take it to the bank as an asset mortgage loan under certain conditions. If you multiply the paid 500 thousand by a certain proportion of the loan, you may still be able to borrow 300 thousand. If you buy a BMW with 300,000 yuan, you can go to the bank and borrow another 654.38+00,000 yuan, and so on!

3. How long can I borrow the pledge loan from CCB after settlement?

Generally speaking, the borrower of CCB loan can refinance after paying off the loan amount, and the system does not stipulate the time interval for application. In addition, after the quick loan line is settled, it will generally be restored in real time. If it is not restored in real time, it will be restored the next day.

Of course, some users said that there was no quota at the time of application, which may be due to the following reasons: the quota has not been restored, so please wait patiently after the quick loan of CCB is paid off; Personal financial assets have changed recently, and the amount of each application for quick loan is judged by the banking system in real time; I have applied for a quick loan across tier-one branches, and the line has been occupied.

4. What is the impact of the pledge of credit assets and refinancing on the stock market?

Releasing more liquid assets for mortgage refinancing is equivalent to opening up a new channel for the base money, and releasing the stock money deposited in the central bank through refinancing. "A chief investment adviser of a securities company who asked not to be named said. The so-called bank uses the released collateral to obtain new funds. This move is equivalent to increasing market liquidity, and the effect is equivalent to reducing the deposit reserve ratio, which is objectively different. Since the second half of 20 14, in order to reduce the financing cost of the real economy, the central bank has continuously cut interest rates and RRR, which not only directly releases liquidity, but also leads the market capital interest rate down through the reverse repurchase of government bonds. At the end of May this year, interbank lending in Shanghai fell below 2%. However, the 7-day Shibor interest rate rushed to around 2.6% in the middle and late August. Some analysts believe that in order to maintain the stability of the RMB exchange rate, the central bank passively withdraws RMB through certain channels, keeping the interest rate at a high level. On the one hand, the most obvious function of credit asset mortgage refinancing is to release more liquidity, which is equivalent to RRR reduction; On the other hand, the increase of market base currency and the improvement of liquidity will also reduce the interest rate of market funds, which is conducive to raising the price of risky assets. "The above brokers also found that the historical cost of A shares is inversely proportional to the A-share index. From June, 2065438 to June, 2003, the cost of capital soared, so A shares fell precipitously. The improvement of market liquidity will be more sensitive to funds such as banks, resources and real estate. For banks, through refinancing, they can obtain low-cost loanable funds, reduce the pressure on deposits, reduce the stability of net interest margin, and even expand, which is good for the performance of banks. Huatai United Securities Market Analyst told Guangzhou Daily that the real interest rate will go down loosely, and the possible interest rate cut in the future will reduce the financial and financing costs of listed companies, help the real economy to stabilize and rebound, and accelerate the destocking of enterprises, such as nonferrous metals, coal and steel.