Loan-to-deposit ratio = balance of bank acceptance bill/loan.

Generally, local banking regulatory bureaus will issue reference opinions to banks within their jurisdiction, which used to be 30%, and then gradually liberalized to 50%. However, in practice, the reference opinions of local banking regulatory bureaus are often ignored. This ratio has been repeatedly broken, and some radical regional banks even exceed 100%. It is also possible that hard regulatory indicators such as non-performing loan ratio and capital adequacy ratio cannot be followed up.

Second, the mode of payment. Why is the acceptance bill more than

I remember this in the accounting regulations. Vouchers seem to have related differences. In the past, someone in our unit had to sign invoices. Besides, your question is not a problem. Open it if you want, but pay attention to writing clearly when you collect it. What you received was not actual payment, but acceptance.

Third, what is the ticket loan ratio?

Loan-to-deposit ratio = balance of bank acceptance bill/loan.

Generally, local banking regulatory bureaus will issue reference opinions to banks within their jurisdiction, which used to be 30%.

However, in practice, the reference opinions of local banking regulatory bureaus are often ignored. This ratio has been repeatedly broken, and some even exceeded 100%. There is no way to compare it with the hard regulatory indicator of non-performing loan ratio, which is a new small indicator introduced by the regulatory authorities in the past three years. Although it was often ignored by regional banks in the past, it may become a more important regulatory indicator now.

I. Credit business

1, loan transfer is not allowed. In the bank credit industry, the loan funds will be paid directly to the lender in full, and some loans will be converted into deposits through mandatory terms or negotiation.

2. No deposit-loan linkage. The loan business and deposit business of banking financial institutions are prerequisites for loan approval and issuance.

3. Do not lend money or provide financing opportunities by other means, and ask customers to accept services and collect fees.

4. No floating interest expense. Banking financial institutions should follow the profit-sharing and charging business, and must not break down interest into expenses, and it is strictly forbidden to raise interest rates in disguise.

5. Lending and tying are not allowed. Banking financial institutions shall not forcibly bind up loans or provide financing by other means.

6. It is not allowed to float to the top. The loan pricing of banking financial institutions should fully reflect the capital cost, risk cost and management cost, and float to the maximum.

7, are not allowed to pass on the cost. Banking financial institutions shall bear the due diligence, collateral evaluation and other related expenses arising from loan business and other services according to law, and shall not pass on the operating costs to customers in the form of expenses.

The second is the "four openness" of service charges.

1. Compliance fees-"public fees". Service charges should be scientific and reasonable, and unified pricing and catalogue should be implemented. The same charging item must be defined by factors such as customers, and the price should be uniformly set by legal institutions. Branches are not allowed to set and adjust the names of charging items and other factors. For government implementation, strictly control the relevant provisions to collect fees according to the facts, and publish the price list and related basis; Charges with market-adjusted prices shall be publicized to the public before each price is set or adjusted, and shall be included in the charging distribution after full consultation with consumers, and charged in strict accordance with the published charging price list.

2. Pricing according to quality-the principle that service quality and price are open and consistent, and it is not allowed to provide customers with material, income or material promotion.

3. Openness and transparency should follow the principle of openness and transparency. All services must be clearly marked, and the obligation of informing must be fully fulfilled, so that customers can clearly understand the content, mode, function and effect of the service and the corresponding charging standards, and ensure that customers know enough information to make their own choices.

4. Reduce fees and make profits-"open preferential policies". Banking financial institutions should earnestly fulfill their social responsibilities, adhere to the principle of preferential services and profits for specific targets, clearly stipulate preferential policies, preferential methods and specific preferential quotas for small and micro enterprises, "agriculture, rural areas and farmers", vulnerable groups and social welfare, and effectively reflect the business ethics of helping the poor.

Fourth, what is the ticket loan ratio?

Ticket-to-loan ratio refers to the ratio of undiscounted acceptance bills to total loans. Generally, local banking regulatory bureaus will issue reference opinions to banks within their jurisdiction. It used to be 30%, and then it was gradually liberalized to 50%. However, in practice, the reference opinions of local banking regulatory bureaus are often ignored, and this ratio has been repeatedly broken, and some radical regional banks even exceed 100%.