The total non-credit amount refers to the total amount of each non-credit business handled by the bank for customers.

Basically everything with "exposure" is within the scope of credit, such as loans, financing, leases, letters of guarantee, etc. Non-credit means that except for businesses that can be credited, everything else is Called non-credit.

1. What is credit and what are the specific contents of credit

Credit refers to a general concept of risk control and refers to the financial support provided by banks to non-financial institutional customers. , or a guarantee for the compensation and payment responsibilities that may arise from the customer's relevant economic activities. It includes several aspects. Surface credit refers to superficial businesses such as loans, financing, and overdrafts; off-balance sheet credit refers to off-balance sheet businesses such as document acceptance, letters of guarantee, and loan guarantees.

2. What exactly does non-credit and total non-credit refer to?

We understand what credit is and have a deeper understanding of non-credit, excluding the business scope of credit , and the rest are non-credit business categories, such as deposits, withdrawals, financial management, fund sales, etc. The total non-credit amount refers to the total amount of money used by the bank for each of these non-credit businesses for enterprises, and it cannot exceed the total amount.

3. How to go to the bank to handle non-credit discount business? Several conditions must be met

To handle non-credit business, several conditions must be met. The operation and financial status of the company must be very good. Good and strong payment ability; the scope of use of discount funds must be in compliance with national and bank policies; discount companies must comply with the credit conditions of bank corporate customers; have real trade transaction contracts or tax documents provided to the bank; companies must handle non-credit When discounting, you need to provide working capital or bill line approval.

Summary

The total amount of non-credit loans refers to the maximum non-credit loan balance of an enterprise borrowing money from the bank. The loan balance of any non-credit business shall not exceed the total amount of non-credit loans. When an enterprise goes to the bank to apply for non-credit discount, it must meet the above conditions to avoid the bank's rejection. It must pay in time when the bill of exchange is about to expire, otherwise the bank will require the discount applicant to make corresponding compensation.