Loan, credit and exposure letter are three commonly used words in bank credit management, and each word represents a certain range of credit business in statistical terms. Because different banks may have different caliber, individuals use the common caliber of their bank (one of the four major state-owned banks) to explain. Although the investment banking business is developing rapidly now, statistically speaking, the credit business of investment banks such as wealth management and financing is still not included in the credit scope, and loans, credits and exposure credits are still conventional credit businesses.

Total loan, the loan here is usually a broad concept, which is what we usually call the total amount of local and foreign currency loans, including narrow loans, discounts, overdrafts and advances.

The total amount of credit, usually the total amount of loans, plus the total amount of off-balance-sheet business. The off-balance-sheet business here mainly includes acceptance, letter of credit, letter of guarantee and contingent trade financing (participation and financing, guaranteed payment and signing, etc.). ).

From the above statement, we can see that the total amount of loans and credits mentioned does not distinguish whether they are low-risk (that is, deposits, credit bank acceptance bills, etc.). They are all used as collateral to handle business, and their business risks are low), but those who occupy the actual credit after excluding the low-risk part are also called open credit, which has great practical significance in judging the actual risk situation and also has the caliber of using the total amount of non-low-risk business for statistical analysis.