The popular term exposure is used in risk analysis, which means that there is risk exposure.

For example, if a company borrows 2,000 W, of which 1 1,000 W is secured by mortgage assets and 1 1,000 W is unsecured, then we say that the company's credit exposure is 1 1,000 W.

Exposure balance: the amount that has not been returned after the high-risk business of the enterprise is started.

Credit exposure limit refers to the partial limit without margin; The balance of exposure is the total credit exposure minus the used exposure. The loan contract balance is the total loan contract amount minus the used loan amount; The total credit balance is the total credit limit minus the used credit limit.

Credit line includes loan line, exposure line and others (such as 100% guaranteed gold and silver commitment line).

For example, Company A obtained a credit line of 6 million from Bank B with real estate mortgage: 4 million of which was used to issue loans and the other 2 million was used to draw bank acceptance bills. 2 million bank acceptance requires a deposit of 50 yuan, which is half of the repayment rate, that is, you only need to deposit 1 10,000 cash in Bank B to open a 2 million bank commitment. Excluding the cash of 6,543,800,000 yuan deposited in Bank B, the additional line of 6,543,800,000 yuan provided by Bank B is the credit exposure line.

The loan target refers to which departments, enterprises, units and individuals the bank issues loans to. Its essence is to choose the loan investment and determine the loan scope and structure.

Determination of the loan object of commercial banks;

First, it should reflect the essential requirements of the credit fund movement, and the loan should be able to guarantee the repayment of principal and interest;

Second, it must meet the requirements of the loan principle of commercial banks, and the loan issuance should follow the principles of efficiency, safety and liquidity;

Third, to reflect the requirements of loan investment policy, loan investment should obey the national industrial policy.

Therefore, the loan object of a commercial bank must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Any non-operating unit without economic income can only be the object of financial allocation, but not the object of bank loans.