Demand loan: also known as notice loan, it is a loan method in which the loan bank is uncertain about the repayment period when issuing the loan, and can inform the customer to recover the loan at any time according to its own fund allocation. Loans of commercial banks can be divided into demand loans, term loans and overdrafts according to the term. Demand loan, also known as call loan, refers to a loan that the bank can call back at any time or the borrower can repay at any time without setting a loan term.
Discount: A commercial term that refers to an unexpired commercial acceptance bill or bank acceptance bill issued by the payer, accepted by the acceptor and then transferred to the transferee (holder). The transferee (holder) applies to a financial institution such as a bank to realize the bill, and the bank and other financial institutions deduct the interest from the discount date to the maturity date of the bill according to the par value, and pay the balance to the holder (payee). When a commercial bill expires, the ultimate holder will collect money from the acceptor according to the bill.
Financial lease: refers to the lessor's purchase of the fixed assets designated by the lessee from the seller designated by the lessee according to the lessee's requirements and the pre-contract agreement between the two parties. The lessor obtains the ownership of the fixed assets, and the lessee pays all the rent, and transfers the possession, use and income rights of the fixed assets to the lessee within a period of time.
Term loan: a loan to a company, usually to finance its long-term investment or fixed assets (such as factories); Machinery and equipment; Houses, etc. The term is generally more than one year.
Overdraft loan: refers to the loan that exceeds the balance of enterprise deposit account with good benefit and high reputation and abides by the liquidity loan management system.
Content of asset business
1. Reserve assets: Reserve assets refer to various forms of payment reserves reserved by banks for withdrawing deposits payable. Reserve assets include cash on hand, deposit reserve deposited with the central bank, deposits deposited with peers, received unpaid items, received cash and bad debt reserve.
2. Credit assets: refers to the asset business formed by various loans issued by banks. Loan is a credit activity that lends monetary funds at a certain interest rate and within a certain period of time. It is the most important item in the asset business of commercial banks, accounting for the largest proportion in the asset business. According to the degree of protection (degree of risk), loans can be divided into credit loans, secured loans and mortgage (discount) loans.