Bank risk exposure is generally called bank risk exposure, which refers to the risk part that the bank cannot or is not covered by risk mitigation measures, and refers to the credit risk exposure of the bank.

There are many explanations for the risk exposure in banking. For example, the bank gave you a credit of 6,543,800 yuan, and you made a bank acceptance bill with a margin of 50% and a face value of 2 million yuan, then you used up the bank exposure of 6,543,800 yuan, which is also called exposure credit. Generally speaking, the actual credit line is less than or equal to the exposure line, and the difference depends on the margin ratio.

Examples of extended information: for example, if a bank gives a credit of 2 million yuan to an enterprise, and a bank acceptance bill with a face value of 4 million yuan with a margin of 50% has been processed, then the enterprise will use a bank exposure of 2 million yuan, also called exposure credit. Generally speaking, the actual modern credit line is less than or equal to the public credit line, and the difference is determined by the margin ratio.

When handling the exposure of bank acceptance bills, certain conditions need to be met. The first condition is to open a basic deposit account or general deposit account with the accepting bank. Enterprises as legal persons and other economic organizations engaged in business activities according to law have certain organizational structures and property, but they do not have the qualifications of legal persons, but are registered and obtained business licenses according to law.

We must also ensure that the products we operate have a market, that production and operation are profitable, and that credit funds are not misappropriated. In addition, the borrower needs to have a good credit standing, no bad credit record, a real entrusted payment relationship with the accepting bank, and a source of funds to pay the amount of the draft at maturity.

Baidu Encyclopedia-Bank Exposure