1, personal monthly income, which is related to the applicant's quota.
2, education level, bachelor degree or above, the success rate of card processing is higher.
3. Work situation. If you don't have a job for the time being, it is recommended to apply after looking for a job for 6 months. Without a job, it is difficult for banks to approve cards.
4. Violation of trust. If the cardholder has a record of overdue repayment, it is recommended to pay off the arrears first, then continue to cover the bad credit record with the card, and apply for a credit card again after 24 months.
Question 2: Who knows what items are included in bank credit and commercial credit? Thank you! Bank credit refers to the bank as an intermediary to raise monetary funds in the form of deposits. Bank credit is the credit provided by banks or other financial institutions in the form of money. Bank credit is developed on the basis of commercial credit with the appearance of modern banks. Bank credit and commercial credit together constitute the main body of the credit relationship between modern economy and society.
Different from commercial credit, bank credit belongs to indirect credit. In bank credit, banks act as credit media. Marx described it this way: "Bankers concentrate a large amount of borrowed monetary capital in their own hands, which sets industrial capitalists and commercial capitalists against each other. They are not single money lenders, but bankers representing all money lenders. Bankers become clock managers of monetary capital. On the other hand, because they borrow money for the whole business society, they also gather borrowers and oppose all lenders. On the one hand, banks represent the concentration of monetary capital and lenders, on the other hand, they represent the concentration of borrowers. "
Characteristics Compared with commercial credit, bank credit has the following characteristics:
1. Bank credit is provided in monetary form. Bank loans are not commodity capital in the process of industrial capital circulation, but temporarily idle monetary capital separated from industrial capital circulation, which overcomes the limitations of commercial credit in quantity and scale;
2. The borrowers of bank credit are monetary capitalists and functional capitalists. Because the form of providing credit is money, this overcomes the limitations of commercial credit in the direction of use;
3. At each stage of the industrial cycle, the dynamics of bank credit and industrial capital are often inconsistent.
4. The essence of bank credit is that the bank acts as an intermediary to enable the owners of monetary capital to pass the credit relationship between the bank and functional capital.
5. Bank credit may break through the limitations of commercial credit and expand the scope and scale of credit [1]
Advantages 1. Overcome the limitations of commercial credit.
Upstream enterprises lend to downstream enterprises, and downstream enterprises can also lend to upstream enterprises. Small amounts can be aggregated into large amounts, and large amounts can also be dispersed into small amounts. Meet the different needs of long, medium and short loans.
2. Large scale, low cost and low risk.
3. Be able to create credit.
Loans to enterprises, enterprises can lend to other enterprises as needed.
Source of funds Bank credit is mainly reflected in funds. The main sources of bank funds are: ① self-owned funds, western commercial banks are generally composed of shares and surplus accumulation, and China specialized banks are composed of national financial allocation and surplus accumulation; ② Deposits can be divided into demand deposits, time deposits and special deposits. According to the term and purpose of deposit, it can be divided into unit deposit, * * deposit and personal deposit according to deposit subjects; (3) issue bank notes. Banknote is a kind of credit currency. At first, general commercial banks can issue them. After the establishment of the central banking system, the distribution right was monopolized by the central bank. Although commercial banks have lost the right to issue, because the central bank is the lender of last resort to commercial banks, commercial banks have insufficient sources of funds and can obtain financing from the central bank. In addition, with the development of capitalist commodity economy and the increase of idle funds of enterprises and society, commercial banks can basically solve the problem of capital utilization by absorbing deposits and creating cheque deposits. Under the highly centralized and unified management system in China, the issuance of RMB is the source of credit funds for the People's Bank of China. After it exclusively exercises the functions of the central bank, most of the RMB issuance is used for refinancing of specialized banks.
Capital operation ① loans; 2 gold, silver and foreign exchange; ③ Financial overdraft and loan. Among them, loans account for the vast majority of bank funds. In China, 1989 loan accounts for 89.3% of bank funds.
Status bank credit is indirect credit, which is the intermediary between depositors and lenders. However, as an intermediary, banks are different from ordinary commercial brokers and securities brokers. In addition to earning interest on schedule, depositors have no right to ask banks how to use their deposited funds. Because of this, banks have gradually developed from simple intermediaries to "universal monopolists" in the capitalist economy. In capitalist society, bank credit is the main body, but commercial credit is the foundation of the whole credit system. Because bank loans are generally used for mortgage or discount of commercial bills, credit loans directly issued by banks to enterprises have no collateral and only account for a certain proportion. Judging from the relationship between direct credit and indirect credit, direct credit is the foundation and indirect credit is the backing. Without the support of bank credit, commercial paper cannot be converted into bank credit, and the application and development of direct credit such as commercial credit will be greatly weakened.
Credit rating of the bank (>>
Question 3: What are the forms of bank credit and national credit? The main characteristics of bank credit are: bank credit belongs to indirect credit; In bank credit, banks act as credit media; Bank credit is developed on the basis of commercial credit and overcomes the limitations of commercial credit. Bank credit greatly exceeds commercial credit in scale, direction and duration. The carrier of bank credit is monetary funds. In the future, China's bank credit system should be reformed to make it the dominant basic credit form in China's economy. First of all, we should reform the credit mode and increase the share of secured loans and mortgage loans; Secondly, improve the loan management, implement the system of separating the three powers of loan examination and investigation, and centralize the credit approval power.
National credit is mainly manifested in the debt formed by the state as a debtor. The direct use of national credit is to make up the fiscal deficit, and it can also play a role in regulating the economy in economic operation. In the future, China should make full use of the form of national credit, vigorously issue treasury bills and special debts, and play the role of national credit as a financial policy tool to adjust China's economic aggregate and various economic structures.
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Question 4: What are the forms of bank credit? For example. Every holiday, banks have played the banner of "interest-free installment repayment". At the same time, citizens' credit card consumption has also increased significantly. However, after the holiday, many citizens found that the original interest-free installment payment was not as favorable as it sounded, and the fees charged were still correct. In fact, although credit card installment repayment is interest-free, it is inevitable to charge a handling fee. Sometimes, the charge is even higher than the current bank loan interest.
The reporter learned that many consumers mistakenly think that "0 interest" is completely free. In fact, all banks will charge a handling fee of about 0.65%~ 15%. Moreover, there is also a difference between one-time collection and installment collection in the way of collecting handling fees. If consumers don't know clearly, it is often easy to save less money when repaying, which leads to bad credit records after overdue.
In addition, interest-free does not mean exemption from late payment fees, which is often ignored by many cardholders. During the National Day holiday, individual banks will temporarily increase the credit card limit by 20%. For example, temporarily increase the overdraft limit to 1 0,000 yuan to10.2 million yuan. At this time, the cardholder must pay attention to the repayment. If the overdraft is overdue, a 5% overrun fee will be charged.
Did you really earn interest-free installment payment with your credit card?
Frequently asked questions about installment payment:
1. What are the charges for installment payment?
[Case] Mr. Lin: I really want to buy a notebook for the convenience of work, but the funds are limited. If you pay by installment, you only spend a few hundred dollars a month, and the pressure is much less. Then, do you need to pay commission and interest if you pay by installment?
Business Daily: Most banks charge for installment payment according to the duration, such as 3, 6, 12 and so on. The longer the general term, the higher the handling fee standard. However, the longer the credit card installment cycle of CCB and Pudong Development Bank, the lower the handling fee will be. For example, the monthly fee rate of CCB is 0.7% in March, 0.6% in June and 65438+February. Some banks charge the shortest and longest fees, with the lowest fees in the middle. However, Bank of Communications sets the rate according to the amount rather than the number of installments. The larger the amount of installment shopping, the lower the handling fee. Agricultural Bank of China has a fixed handling fee rate of 0.6% per month, regardless of the amount of consumption or the number of installments.
In addition, there are two ways for banks to charge fees. One is to charge a monthly fee, which is adopted by China Agricultural Bank and China Construction Bank. The other is a one-time payment when paying the down payment, represented by ICBC and China Bank.
In addition, some banks must apply for installment payment in advance. For example, China Merchants Bank must evaluate the cardholder before giving the installment amount and the stipulated handling fee rate.
Although installment payment can alleviate the pressure of one-time payment, the total price of purchased goods may be higher than the general market price.
It should be noted that if you use a credit card to purchase by installment, you will be exempted from interest only if the cardholder returns the full amount on time. If the repayment is not made on time or in full, interest will be generated. Once you choose the minimum repayment amount, you will also pay the interest generated by the total transaction amount of the month. (Meng, beijing business today Today)
Second, how to calculate the credit card installment fee?
In the early days of credit card installment payment, banks often advertised under the banner of "interest-free", and many citizens were really fooled. In fact, interest-free is not free, just a different name. Generally speaking, the handling fee of credit card installment 1 year is lower than the annual cash withdrawal interest 18%, and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times, but the standard of credit card installment fee and cash withdrawal interest has rarely changed.
Although different banks have different standards for credit card installment fees, the calculation method is roughly the same. Suppose the installment amount is 1.200 yuan, divided into 12 installments, and each installment (month) repays 1.000 yuan, and the handling fee is 0.6%/ month, and the actual monthly deduction is100+1.200× 0. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. But the cardholder did not always owe the bank 1.200 yuan. In the last month, he actually only owed the bank 1 1,000 yuan, but the bank still charged the handling fee according to 1, 200 yuan. According to the calculation, the actual annual interest rate that the cardholder has to pay is about 15.48%.
3. Are you looking for a big bank or a small bank by installment?
Due to the different customer resources and brand maturity of banks, their handling fees are not the same, or even very different. Statistics show that the charges of small banks with low market share are also ...
Question 5: What subjects are included in the bank credit in the balance sheet? 1 income statement.
Analyze the profit and loss of a company in a certain period, and the indicators generally include profit amount and profit rate. The profit amount reflects the absolute number of profits realized by the company in a certain period, and the profit amount reflects the comprehensive economic benefits of the company in a certain period, which is an important index to evaluate the completion of the profit plan. Profit rate mainly analyzes the index of profit level.
2. Balance sheet
Analyze the economic resources owned or controlled by the enterprise on a certain date, the existing debts undertaken by the enterprise and the owner's demand right for clean chicken production. Indicators mainly look at current assets, long-term investment, fixed assets, intangible assets and other assets, reflecting the balance of various assets owned or controlled by the company.
Look at current liabilities and long-term liabilities, reflecting the debts undertaken by the company on a certain date.
Look at paid-in capital, capital reserve, surplus reserve and undistributed profit, reflecting the net assets owned by company investors on a certain date.
Question 6: What banks are there in China? How about applying for an overdraft credit card? Cross-regional domestic banks
China Industrial and Commercial Bank, China Merchants Bank, China Agricultural Bank and China Construction Bank.
China Bank, China Minsheng Bank, China Everbright Bank and China CITIC Bank.
Bank of Communications, Industrial Bank, Shanghai Pudong Development Bank and China People's Bank.
Huaxia Bank, Shenzhen Development Bank, Guangdong Development Bank and China Development Bank
Xiamen International Bank, The Export-Import Bank of China, China Agricultural Development Bank, Bank of Beijing.
Bank of Shanghai China Postal Savings Bank
Cross-regional foreign banks
Citibank, Bank of China, HSBC China Bank, Standard Chartered Bank, Bank of China and Hongkong and Shanghai Banking Corporation.
Standard Chartered Bank Bank of America Bank of East Asia China Website Hang Seng Bank
Overseas Chinese Bank ABN Bank of America Ortiz Bank BNP Paribas
American Express Bank, Bank of Montreal, Bank of Manhattan.
In addition, there are city commercial banks and rural cooperatives all over the country.
Big ones can generally overdraw credit cards.
Question 7: What credit cards are there? China, Industry and Commerce, Agricultural Bank of China, China Construction Bank, Shenfa, Pufa, Postal Service, People's Livelihood, Transportation, Investment Promotion, Xingye, China Everbright and Huaxia.
Question 8: What are the main forms of credit? 5 points 1. mercantile credit
Commercial credit refers to the form of credit provided by enterprises that is directly related to commodity trading. Such as selling goods on credit between enterprises and prepaying for goods. In the process of commercial credit, it is generally necessary to "establish words as evidence" as proof of the relationship between creditor's rights and debts, such as commercial paper. The positive significance of commercial credit is to promote commodity sales, but its scope is limited.
2. Bank credit
Bank credit refers to the credit provided by banks to enterprises or individuals in the form of money, including three aspects: first, banks raise idle funds from all walks of life in the form of absorbing deposits and handling settlement; The second is to use funds raised through loans and other forms; Third, banks provide credit guarantees for both parties to commodity transactions, such as providing letters of guarantee and letter of credit services. Also guaranteed by the monetary funds held by the bank.
Bank credit is the main form of credit at present, which can make up for the shortage of commercial credit and is an important means for the state to regulate the economy.
3. National credit
National credit refers to * * *' s lending behavior, the main form of which is * * * issuing bonds to raise funds. As a tool of national credit, it is national debt and national debt, as well as external guarantee.
* * * There are two ways to issue bonds: one is to issue short-term treasury bills with a term of one year, so as to solve the contradiction of financial expenditure before collection; The second is to issue long-term bonds to raise funds to make up for the deficit in fiscal revenue and expenditure or make long-term investments.
In modern economy, national credit is closely related to bank credit: either enterprises, units and individuals use bank deposits to buy national bonds; Or financial institutions such as banks directly purchase government bonds. In either case, there is an interactive relationship between financial debt revenue and expenditure and bank funds.
4. Consumer goods credit loans
Consumer credit refers to the credit provided by enterprises or financial institutions to consumers, which is generally used directly for daily consumption. There are two kinds of consumer credit: first, similar to commercial credit, enterprises provide consumers with consumer crystals by way of credit sale or installment payment; Second, it belongs to bank credit, and banks and other financial institutions provide funds to consumers by means of mortgage loans. The main function of consumer credit is to promote commodity circulation and guide residents' consumption:
5. Private credit
Folk credit refers to the credit provided by individuals in money or in kind.
Question 9: What are the consequences of bank credit stain? Bad credit records were deleted by the People's Bank of China five years later. It is difficult to apply for credit cards and bank loans before bad records are deleted.
Question 10: What are the advantages of bank credit compared with commercial credit? Bank credit is produced and developed on the basis of commercial banks, which overcomes the limitations of commercial credit. Under the modern commodity economy, bank credit has advantages over commercial credit in scale, scope and duration. In recent decades, with the continuous development of bank credit, the loan capital gradually concentrated in the hands of big banks, and later served the big monopoly organizations, which promoted the combination of bank capital. Bank credit has become the most basic and main form of credit in the second generation economy.