We Ping An Bank are still playing.
2.5438+Did the bank stop lending in February?
1. If it is not stopped, bank loans are subject to loan quota restrictions, and personal loans without loan quota restrictions will not be issued. Limited loans, such as corporate liquidity loans, will be issued by banks as usual. The bank will handle new and mature loans as usual, and will not refuse to handle them in June 5438+February. 2. By June 65438+February, banks will not lend, usually personal housing loans. There are limits on bank loans, and there are many types of loans, such as working capital loans, personal loans and project loans. There are many applications for individual housing loans, and the loan amount is limited, and it can't be issued after it is used up. In recent years, the amount of personal housing loans is tight, and it is usually used up in the first few days of each month. The main reasons are as follows: First, there are a large number of buyers, and many buyers who can't buy the full amount apply for loans. The number of loan applicants is limited, which leads to tight loans. Second, influenced by the national housing policy, houses are used for living, not for speculation. According to the national policy, banks have strengthened the control of housing loans and reduced the limit of individual housing loans. The loan amount is reduced, the mortgage funds are reduced, the mortgage can not meet the needs of the lender, and the approved personal housing loan can not be issued on time. By the month of 65438+February, there is basically no mortgage amount, and if there is no mortgage, it will not be issued. In short, in June 5438+February, banks did not issue loans, and only a few varieties subject to quota restrictions applied for loans. As long as you approve it and wait patiently, the bank will issue loans sooner or later. : 1, loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending money and monetary funds, banks can meet the needs of society for supplementary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 2. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the basic principles of loan management of commercial banks. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency." 1. Loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Benefit is the basis for the sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the benefits are good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the harmony of "three natures" is necessary, so that there will be no problem with loans. 3. The procedures for granting loans are as follows: 1. Loan application. When a borrower applies for a loan from a local bank, it must provide relevant information about other types of loans except rural areas. (1) Basic information of the borrower and the guarantor; (two) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; (three) to correct the original unreasonable occupation of loans; (4) The list of collateral, the consent certificate of the person who has the right to dispose of the collateral, and the relevant certificates that the guarantor intends to agree to guarantee; (5) Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank. 2. Credit rating evaluation. The bank evaluates the borrower's credit rating. 3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers. 4. Loan approval. Approve loans in accordance with the loan management system that separates bank loan approval from grading approval. 5. sign a contract. The bank signs a loan contract with the borrower. 6. Loan issuance. The bank issues loans as scheduled according to the loan contract. 7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation. 8. Loan repayment. When the loan expires, the borrower shall repay the loan in full and on time.
3. Will banks stop lending in February 2020?
Do not stop. It just means that lending is tightened at the end of the year and funds are locked up.
Will the bank stop lending in February 2020?
Do not stop. It's just that lending was tightened at the end of the year, and the approval was not easy to pass. Banks usually withdraw funds.