Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use.
Credit granting refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit to third parties in related economic activities.
Credit is divided into short-term credit and medium-and long-term credit according to the term.
On-balance-sheet credit includes loans, project financing, trade financing, discount, overdraft, factoring, borrowing and repurchase. Off-balance sheet credit includes loan commitment, guarantee, letter of credit, bill acceptance, etc.
Off-balance sheet credit includes loan commitment, guarantee, letter of credit, bill acceptance, etc.
2. What is the bank's credit business?
Credit refers to the funds provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdrafts and various advances, as well as bill acceptance, letters of credit, letters of guarantee, standby letters of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of recourse and irrevocable unused assets.
Credit is divided into short-term credit and medium-and long-term credit according to the term.
According to whether it is reflected in the financial statements, it can be divided into on-balance sheet credit and off-balance sheet credit. On-balance-sheet credit includes loans, project financing, trade financing, discount, overdraft, factoring, borrowing and repurchase. Off-balance sheet credit includes loan commitment, guarantee, letter of credit, bill acceptance, etc.
Third, bank-related, what is non-credit business? What resources do non-credit business resources refer to?
Non-public credit granting is an internal management system for commercial banks to control customers' credit risk and has no legal effect. Therefore, there is no need to apply, there is no guarantee requirement for credit granting, and there is no need to sign a credit agreement with the enterprise. Credit granting must be handled in strict accordance with the authorization authority.
As long as there is "exposure", it is within the credit business scope.
For example: loans, trade financing, bill financing, financial leasing, overdraft, advances and other on-balance-sheet businesses;
And off-balance-sheet business such as bill acceptance, letter of credit, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse, and unused irrevocable loan commitment.
The rest are non-credit businesses, such as deposit and withdrawal, fund consignment, wealth management and sales, and collecting company fees.
4. What does bank credit mean?
Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment responsibilities that may occur to customers in related economic activities.
1. Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors.
2. Within the determined credit line, the amount of each loan and the actual total amount of the loan shall be specifically determined according to the actual capital needs of local and customers, repayment ability, credit policy and the ability of banks to provide loans.
Extended data:
1. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year.
2. Credit refers to various credit business activities of commercial banks, such as customer survey, business acceptance, analysis and evaluation, credit decision-making and execution, post-credit management, and problem credit management.
3. Commercial banks should follow the principle of "implementing conditions first, then implementing credit" when implementing conditional credit. If the credit conditions have not been implemented or the conditions have changed and a new decision has not been made, credit may not be implemented.
4. Credit cannot be equated with loans, and credit is a general concept of risk control. Loans are loans issued by banks or other credit institutions to borrowers, which must be repaid and interest paid within a certain period of time.