Let's assume that the loan from Party A is RMB 10,000, and the loan from Party B is RMB 2 million to RMB 10,000. The equation is X * 5%+(200-X) * 5.5% =10.6, and the solution is: X is 80,200-x =120 (ten thousand yuan). The list is as follows: The known calculation result is 200x2. 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. Banks put concentrated monetary and monetary funds out through loans, which can meet the demand 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.

Principles "Three Principles" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan business. 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 within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems. Microfinance one. Reviewing the risks of risky loans often begins at the loan review stage. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

1) The review content omits the loan examiner of the bank, which leads to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects.

2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents without due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.