Total loan balance
Basic concepts:
The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period. It means the total amount of loans or financing borrowed by enterprises from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan.
Loan-to-deposit ratio:
Loan-to-deposit ratio is one of the bank's assessment indicators, that is, the proportion of total loans to total deposits cannot exceed 75%, otherwise it is illegal and risky. The sum of deposit balance and loan balance is total deposit, deposit balance is debt indicator and loan balance is asset indicator.
Change range of deposits:
1. According to the types of corporate deposits, demand deposits and agreed deposits of local and foreign currency units decreased by 10022 billion yuan and 73.96 billion yuan respectively in the first three quarters, down by 50.73 billion yuan and up by 93.02 billion yuan respectively. Time deposits, call deposits and structured deposits increased by 654.38+072.82 billion yuan, 69.77 billion yuan and 50.54 billion yuan respectively, up by 8.98 billion yuan, 56.03 billion yuan and 8.75 billion yuan respectively. At the end of September, unit demand deposits only accounted for 30.3% of the total balance of unit deposits, down 4.3 percentage points from the beginning of the year, and the trend of unit deposits was obvious.
2. In terms of currency, in the first three quarters, the city added RMB personal deposits of 22 1.84 billion yuan, an increase of 49.38 billion yuan over the same period of last year; Personal foreign exchange deposits increased by $720 million, an increase of $270 million year-on-year.
3. According to the types of personal deposits, time deposits and structured deposits increased by1510.20 billion yuan and 3.710.40 billion yuan respectively, increasing by 45.93 billion yuan and decreasing by100/kloc-0.00 billion yuan respectively. Demand deposits increased by 36.865438 billion yuan, up by 65.438+0.710.20 billion yuan year-on-year.
reference data
He is Wen Guang. Operation and management of micro-credit. Beijing: National Training Institute, 20 10.