Borrowed and returned, it is not difficult to borrow again.

Second, what are the loan principles in the loan?

The principle of loan is: the principle of conforming to the law; Principle of fairness; Principle of good faith; The principle of equality and voluntariness; Prudent management principle of lending institutions; Lending institutions operate on the principles of safety, liquidity and efficiency.

legal ground

Article 3 of the Interim Measures for the Administration of Personal Loans

The term "personal loans" as mentioned in these Measures refers to loans granted by lenders to qualified natural persons for personal consumption, production and operation.

Article 4

Personal loans should follow the principles of legality and compliance, prudent operation, equality and voluntariness, fairness and good faith.

Article 5

Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

3. What are the loan principles in the loan?

The principle of loan is: the principle of compliance with the law; Principle of fairness; Principle of good faith; The principle of equality and voluntariness; Prudent management principle of lending institutions; Lending institutions operate on the principles of safety, liquidity and efficiency. Legal basis "Interim Measures for the Administration of Personal Loans" Article 3 Personal loans as mentioned in these Measures refer to loans granted by lenders to qualified natural persons for personal consumption, production and operation. Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith. Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

4. What are the principles of the central bank's currency issuance?

Currency issuance is the main liability business of the central bank and the main component of the base currency.

At present, the central banks in most countries monopolize the right to issue money on the basis of legislation.

1. The meaning of currency issuance

First, it flows from the issuing bank of the central bank to the society through commercial banks.

Second, the amount of money flowing out of the central bank is greater than the amount returned from circulation.

2. Money distribution channels

Generally speaking, according to the degree of monetization and the actual situation of the domestic economy, the central bank puts money into circulation through rediscounting, refinancing, securities purchase, gold and silver purchase and foreign exchange, and organizes the withdrawal of money through the reverse movement of the above businesses.

3. The principle of currency issuance

(1) Monopoly distribution principle.

In other words, the state stipulates that only the central bank of the country has the power to issue currency in a unified way. Only in this way can we better macro-control the national economy and maintain the stability of financial order and social development.

(2) The principle of credit guarantee.

The central bank itself also represents the will of the country. It issues money according to the requirements of national economic development and follows the principle of credit to ensure people's trust in their own currency.

(3) the principle of flexibility.

That is, currency issuance has certain flexibility.

Currency issuance should be carried out according to the actual needs of national economic development and commodity circulation, so that the total amount of money supply fluctuates around the demand for money, avoiding price fluctuations and inflation.

4. Composition of currency reserve

Currency reserve consists of cash reserve and securities reserve.

Cash reserves include highly liquid assets such as gold and foreign exchange.

Securities preparation mainly includes short-term commercial paper, fiscal short-term treasury bills, government bonds and other securities circulating in the financial market.

(III) Other liabilities business

Other liabilities refer to central bank liabilities other than the above liabilities.

Such as liabilities to international financial institutions or bonds issued by central banks.