The source of money supply is the monetary authority, such as the central bank; The central bank is the general source of funds, and the funds of banks naturally come from the central bank. The monetary source of bank credit is its deposits and its own assets, and the recovery source is also issued by the central bank. Banks have the function of "creating money", that is, lending after absorbing deposits can produce "multiplier effect"

: bank credit loan conditions

1. Basic conditions

(1) Except for natural persons and institutional legal persons that do not need to be approved and registered by the administrative department for industry and commerce, the borrower holds a business license and goes through the annual inspection formalities in the administrative department for industry and commerce. Hold a valid loan certificate/card issued by the local people's bank.

(2) The borrower shall open a basic account or general deposit account in our bank, and maintain a certain amount of deposit settlement business in our bank in proportion to the loan; If the loan amount of our bank accounts for a large proportion of its total loan amount, we should open a basic settlement account in our bank.

(3) The borrower has the ability to repay the principal and interest on schedule, and the principal and interest of the due loan have been fully paid off; If there is no repayment, a repayment plan approved by the bank has been made.

(4) To apply for medium and long-term loans, the proportion of the legal person owner's equity of the newly-built project enterprise in the total investment of the project shall not be lower than the proportion stipulated by the state.

(5) The borrower can truthfully provide the information required by the bank, accept the bank's review and supervision of the use of credit funds and related production, operation and financial activities in its past business dealings, implement the relevant loan conditions, and use the loan according to the purpose and schedule agreed in the loan contract. The borrower's financial and credit status and management meet the requirements of the bank.

Two. Credit analysis

1. First, understand the importance of credit to banks. Now when it comes to banks, everyone can say the word "deposit and loan", but in actual work, everyone's experience is different. This is inseparable from everyone's era, position and angle. The main profit of domestic banks comes from the credit spread, which is about 85%. Now it shows a downward trend, but it also exceeds 70%. Therefore, credit business is the main business of domestic banks. There is no dispute (the profit of intermediary business of foreign banks can compete with the profit of credit). The quality of credit business determines the operating performance of banks. So the importance of loans has exceeded the importance of deposits.

2. The source of repayment in the credit business. There are many specific credit businesses, such as signing loan contracts, transferring funds, keeping IOUs, and notifying payment. This paper mainly discusses the repayment sources of borrowing enterprises. The repayment sources of enterprises can be divided into the first repayment source and the second repayment source. The first repayment source is enterprise cash, the second repayment source is enterprise property mortgage and third-party guarantee, and the third-party guarantee source can be recovered from the cash and self-owned property of the guaranteed enterprise.

3. The relationship between repayment sources and financial statements. Firstly, the source of repayment mainly analyzes the income statement and cash flow statement of the enterprise; Second, the property mortgage in the repayment source mainly analyzes the balance sheet of the enterprise.