Loan principle
"Three standards" refer to safety factor, liquidity and benefit.
1, loan security is the main problem encountered by the banking industry;
2. Liquidity refers to the ability to recover loans according to the predetermined period, or the ability to make profits quickly without damage, so as to meet the requirements of customers for obtaining savings anytime and anywhere;
3. Benefit is the basis of long-term operation of financial institutions. For example, long-term loans, the annual interest rate is higher than short-term loans, and the income is no problem. However, if the loan term is longer, the risk will increase, the safety factor will decrease and the liquidity will weaken. This article is mainly about how many knowledge points to write in loan extension, and the content is for reference only.