Question 2: What does the pledge of credit assets mean? The pledge of credit assets is to package the existing high-quality customers, and then pledge this package to other places and replace it with advanced ones.
Question 3: What does the pledge of credit assets mean? The so-called credit asset pledge refinancing means that banks can pledge their existing credit assets (that is, loans already issued) to the central bank to obtain new funds, which is essentially credit plus leverage. Many people think this explanation is quite official. To put it simply, when a commercial bank lends money, it gives the loan to the central bank, and when the central bank accepts these loans, the commercial bank will have a lot of cash. Of course, the central bank can set a standard to ease the continuous flow of funds to commercial banks. (The pilot project of credit asset pledge refinancing is conducive to enhancing the liquidity of credit assets. If you think that the explanation of credit assets pledge and refinancing is still profound, give an example to describe it vividly with numbers. For example, I can borrow 2 million yuan first, and then I can borrow 2 million yuan after mortgage, while the previous 2 million yuan can be mortgaged to the central bank, and the central bank will lend you 2 million yuan. Of course, you won't get 2 million yuan for the whole process, which requires a discount.
Question 4: What are the advantages of credit asset pledge and refinancing? Simply put, credit is based on credit loans, and mortgage loans take your assets or your own property as the material guarantee for loans. For example, if you use a house as a mortgage, generally all mortgages are real estate, because you can't move. Although the ownership temporarily belongs to the bank, you can still live. Mortgaging with movable property is called pledge. If you use a loan such as a car, the pledge must be placed under it. If it's a car, it means you can't drive for a while. Secured loans generally require a deposit, which is determined by credit.
Question 5: What does it mean to carry out the pilot project of credit asset pledge refinancing? For example, if you borrow money to buy a house, the commercial bank will transfer your credit assets to the People's Bank of China. The central bank gives money to commercial banks, and if bad debts are caused, the People's Bank of China starts to use printing presses.
Question 6: What commercial banks are doing credit asset pledge and refinancing now? You can apply to our company for unsecured and unsecured small loans.
Question 7: What are the specific differences between credit asset pledge refinancing and American QE? (1) Credit asset pledge refinancing is a collateral management policy, and QE is a direct asset purchase policy of the central bank; (2) Commercial banks take the initiative and QE central bank takes the initiative; (3) Credit assets pledge refinancing has the additional function of revitalizing the credit stock, while QE does not; (4) Credit asset pledge refinancing has directional characteristics, and QE has global characteristics; (5) Pledged refinancing of credit assets has the nature of pre-adjustment and fine-tuning, with stronger QE and more direct mechanism.
Question 8: How to evaluate the pilot project of credit asset pledge refinancing? To some extent, this credit asset pledge refinancing is the expansion of credit refinancing. The institution pledges the original credit assets to the People's Bank, and the People's Bank issues loans in proportion. In addition to pledge, the difference is that the scope of institutions applicable to refinancing has expanded, and the interest rate may be lower than that of refinancing.
For banks, it is positive to a certain extent, and it can revitalize existing assets, actively increase leverage according to the asset-liability structure, especially pledge long-term loans, and revitalize more assets for banks with more long-term loans such as big banks and CDB. However, the acceptable loan scale restricted by bank lending has always been a hurdle, which is generally not enough; At present, the price of assets in the market is low, and mortgage may not be exchanged for better assets. But at least it's good to have an independent tool.
Question 9: If banks are not short of money, will they use credit assets as collateral for refinancing? At the end of the year, the bank did not lend much, and the mortgage or pledge loan was very fast. ...
Question 10: Introduction to Credit Assets Credit assets refer to the asset business formed by various loans issued by banks. Loan is a credit activity that lends monetary funds at a certain interest rate and within a certain period of time. It is the most important item in the asset business of commercial banks, accounting for the largest proportion in the asset business. According to the degree of protection (degree of risk), loans can be divided into credit loans, secured loans and mortgage (discount) loans. Credit loan refers to a loan issued by a bank that is completely mortgaged by customers. A secured loan is a loan issued by a bank with the dual reputation of customer guarantor. Mortgage loan (including discount) requires customers to provide a certain value of goods in kind or securities as a loan for mortgage. This standard division is beneficial for banks to strengthen loan security or management. When choosing the way to issue loans, banks should determine the loan object and the degree of loan risk. 201May 13, the executive meeting of the State Council decided to increase the pilot scale of credit asset securitization by 500 billion yuan, continue to improve the system, simplify procedures, and encourage one-time registration and independent installment issuance; Standardize information disclosure and support securitization products to be listed and traded on exchanges. On the basis of the pilot projects of credit asset pledge refinancing in Shandong and Guangdong in the early stage, the central bank decided to promote the pilot projects in 9 provinces (cities) such as Shanghai, Tianjin, Liaoning, Jiangsu, Hubei, Sichuan, Shaanxi, Beijing and Chongqing on June 20 15. According to the relevant person in charge of the central bank, this move is to implement the State Council's spirit of strengthening reform and innovation and supporting the real economy, and it is also the requirement of the 20 15 working conference of the People's Bank of China. The relevant person in charge of the central bank said that the branches of the People's Bank of China in the pilot areas of credit asset pledge refinancing conducted internal rating on some loan enterprises within the jurisdiction of mainland corporate financial institutions, and included the credit assets with qualified rating results into the range of qualified collateral acceptable to the People's Bank for refinancing.