Credit line refers to the stock management index of short-term credit business approved by commercial banks for customers, which can generally be divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line.

The arrangement of credit line is flexible, and the total credit line can be subdivided into loan line, letter of credit line, export draft line, letter of guarantee line, bank acceptance draft line and acceptance draft discount line.

The credit line is applicable to all kinds of credit business with a term of less than 1 year (including 1 year), and the term of bid guarantee, performance guarantee, advance payment guarantee, customs payment guarantee and maritime guarantee under the opening guarantee line can be extended to more than 1 year.

Extended data:

All independent corporate customers can apply to our bank for comprehensive credit line management and operation for their short-term loan business. Non-enterprise customers such as institutions and state organs, and economic organizations (such as branches) affiliated to enterprises without legal person status may not apply for comprehensive credit lines.

When applying for the mortgage amount, the mortgaged property in my name shall be used as the mortgage guarantee, and the mortgage amount shall not exceed 70% of the value of the collateral recognized by the bank; To apply for a pledge amount, the pledge amount must be guaranteed by a pledge recognized by the bank, and the pledge amount shall not exceed 90% of the value of the pledge; The credit limit is assessed by the bank according to the information provided by the applicant and the survey results, and the upper limit is 300,000 yuan.

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