Non-exposure credit means that the pledge or guarantee provided by the borrowing enterprise can cover its credit line, and the bank does not have to bear additional credit risks, which is also called low-risk business.
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I. Risk exposure
Risk exposure is unprotected risk, and the credit balance that may bear the risk due to the debtor's breach of contract, that is, the actual risk, is related to the specific risk. Credit line is the stock management index of short-term credit business approved by commercial banks for customers, which is divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line.
As long as the credit balance does not exceed the corresponding business variety indicators, regardless of the accumulated amount and the number of issuance, the business departments of commercial banks can provide short-term credit to customers quickly, and enterprises can easily recover the short-term credit funds of banks to meet customers' requirements for fast and convenient financial services.
2. Credit limit requirements:
1. Through credit investigation, enterprises can timely, systematically and objectively understand and master the credit status of target enterprises, which has very important reference value in decision-making such as selecting partners, determining settlement methods or handling disputes.
2. In order to reduce or avoid risks, credit investors need to make decisions when providing credit funds to enterprises and other customers. After the credit line review report is approved by the risk management department or corresponding procedures, the credit line will enter the implementation stage.
3, self loans and specific loans, in addition to the provisions of the interest, shall not charge any other fees; Entrusted loans, in addition to charging fees according to regulations, shall not charge any other fees. Non-exposure credit means that the pledge or guarantee provided by the borrowing enterprise can cover its credit line, and the bank does not have to bear additional credit risks, which is also called low-risk business.
3. The application for credit risk limit has the following five steps:
1, enterprise loan application.
2. The legal person qualifications and legal representative qualifications of both the borrower and the guarantor and relevant legal documents.
3. Issue the Loan Certificate.
4. The audited financial report of the company and other documents required by the bank. In case of mortgage or pledge guarantee, the ownership certificate of the guaranteed property must also be submitted.
5. Guarantor approved by the bank or mortgage or pledge guarantee.