Well, this also belongs to the financial field.
Finance is a Chinese vocabulary, and the pinyin is jρNRóng. Finance refers to the issuance, circulation and withdrawal of money, the issuance and recovery of loans, the deposit and withdrawal, the exchange of foreign exchange and other economic activities. FINANCE or finance is an equivalent cycle to realize value and profit after re-integration of existing resources. The professional view is that the process from saving to investment can be narrowly understood as financial dynamic monetary economics. ) Finance is the behavior that people make decisions on the optimal allocation of intertemporal resources in an uncertain environment.
The essence of finance is value circulation. There are many kinds of financial products, including banks, securities, insurance, trusts and so on. Finance involves a wide range of academic fields, including accounting, finance, investment, banking, securities, insurance, trust and so on. The core of finance is the exchange of value across time and space. All transactions involving the distribution of value or income between different times and different spaces are financial transactions. Finance is to study why the value exchange across time and space appears, how it happens and how it develops.
Is the loan company a financial institution?
The company belongs to the financial industry. The Code of Financial Institutions in 2009 stipulates that the scope of financial institutions in China covers not only traditional financial institutions such as banks, insurance and securities, but also new financial institutions such as enterprise annuities, loan companies, rural mutual funds cooperatives and village banks. Prior to this, the company was a non-financial institution. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending to banks, centralized money and monetary funds can meet the needs of society for expanding supplementary funds for reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Second, the risk review of microfinance The emergence of loan risks often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (a) the content of the review is omitted, and the bank loan examiner is missing, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. (3) Many misjudgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments made by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. However, in practice, most loan review processes are not very strict and in place. Three. The legal content of the pre-lending survey (1) examines the legal status of the borrower's legal establishment and continuous effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, and check the business license and qualification certificate, and pay attention to whether the relevant license has passed the annual inspection or related certification. (two) about the borrower's credit check whether the registered capital of the borrower is suitable for loans; Check whether there is obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection and tax payment are qualified. Illegal circumstances that may affect repayment. (3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (four) for the guarantee, the qualification, reputation and performance ability of the guarantor should be investigated.
Does credit belong to finance?
Credit belongs to the financial field. The basic conditions for banks to issue credit loans are:
1. If the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued with the approval of provincial branches of state-owned commercial banks;
2. The total profit of operating income accounting has increased continuously in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;
3. The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, or obtain the consent of the loan bank before mortgage (pledge) and provide guarantee for others;
4. The operation and management are standardized, and there are no bad credit records such as debt evasion and default on interest.
Extended data:
Credit principle
1. The principle of security means that banks try their best to establish and avoid the risks and losses of credit funds in the process of operating credit business.
2. Liquidity principle refers to the principle that commercial banks can recover loan funds within a predetermined period or quickly convert credit into cash without loss.
3. The principle of profitability refers to the rational use of funds, improve the efficiency of the use of credit funds, maximize profits, and strive to achieve the unity of the bank's own economic and social benefits.
Restrictive factors in applying for unsecured credit loans:
1. Personal work and income: Banks will be more inclined to groups with stable income when examining the qualifications of loan applicants. Therefore, if the borrower can provide a bank payroll for more than half a year, it will be more helpful for the smooth handling of credit loans.
2. Personal fixed assets: owning personal fixed assets such as real estate or cars shows that individuals have a certain economic foundation and repayment ability, and generally get a higher credit rating.
3. Personal credit record: Personal credit record is an important factor for banks to rate borrowers' credit. The bank will consider the borrower's loan record and credit card usage, including whether the loan is repaid in full and on time.