Entrusted loan is a loan provided by a political trustee and issued by a financial institution (trustee) according to the loan object, purpose, amount, term and interest rate determined by the client. Through distribution, supervision of use and assistance in recycling, it does not undertake.
application area
The loan object and purpose determined by the entrusting party must conform to the project itself and have good economic and social benefits.
Entrusted loans for fixed assets projects must be reported to the relevant departments for approval according to regulations.
When handling entrusted loans, customers must deposit funds in our agency in advance; Amount of entrusted loan; If the entrusted loan is not due or recovered, the client may not withdraw the corresponding entrusted deposit; Entrusted deposit account
superiority
Political and monetary enterprises with surplus monetary funds
Second, what is the situation of entrusting financial institutions to issue loans? Is to borrow money from the bank, right? ...
It is a form in which units, individuals or government departments entrust banks or other financial institutions to issue loans to borrowers. There must be a loan contract and a power of attorney, and the bank will urge the borrower to borrow money and interest according to the loan contract. This seems to be the same as the customer's financial insurance business, and the interest income is subject to 5% business tax.
3. What do you mean by bank entrusted loan?
Entrusted loan refers to the loan business in which the principal provides funds from legal sources, and the entrusted bank issues, supervises the use and assists in the recovery according to the loan object, purpose, amount, term and interest rate determined by the principal. Customers include government departments, enterprises, institutions and individuals.
Briefly explain the concept, for example, the principal is A, the lender is B, and AB applies to the bank for an entrusted loan of 6,543,800 yuan. In practice, Party A opened an entrusted deposit account in the bank and deposited 6,543,800 yuan. When the bank received the funds from Party A, it also issued an entrusted loan of 6,543,800 yuan to Party B's account. Simply understood as lending B1000000 through the bank, of course, there are many contract approval procedures. Bank charges related procedures.
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Fourth, entrust financial institutions to issue loans. What's going on here? To put it bluntly, thank you
Entrusted loans are loans provided by clients such as government departments, enterprises, institutions and individuals, and issued by financial institutions (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The entrusted financial institution is only responsible for issuing, supervising the use and assisting in recovery, and does not bear any form of loan risk.
application area
The loan object and purpose determined by the entrusting party must conform to the relevant national laws, regulations and policies, and the project itself has good economic and social benefits.
For entrusted loans designated by the client for fixed assets projects, the loan projects must be reported to the relevant departments for examination and approval according to regulations.
When handling entrusted loans, customers must deposit funds in our agency in advance; The total amount of entrusted loans shall not exceed the total amount of entrusted deposits; If the entrusted loan is not due or recovered, the client may not withdraw the corresponding entrusted deposit; The entrusted deposit account does not charge interest.
superiority
Act as an intermediary for government departments, enterprises, institutions and individuals with surplus monetary funds to provide financing to monetary enterprises and institutions.