When the customer withdraws part of the loan from the bank, there is still the remaining amount in the bank account. The specific calculation formula is. The credit balance is equal to the total amount approved by the bank minus the outstanding loan balance. For example, the user signed a contract with the bank for 6,543,800 yuan, and the bank actually lent 50,000 yuan and 20,000 yuan, and returned 6,543,800 yuan. At this time, the loan balance is 30,000 yuan, and the credit line can be calculated through the formula, which is equal to 50,000 yuan undistributed by the bank, plus 30,000 yuan undistributed after signing the contract and 1 10,000 yuan returned, and the final credit line is 90,000 yuan.
To understand the exposure balance, we must first understand the concept of exposure quota, which refers to the survival management index of short-term credit business opened by banks for users. Only when the credit balance is within the corresponding business indicators can banks provide users with short-term credit and fixed-term credit. For example, an enterprise user borrows 50 million yuan from a bank, of which 20 million yuan is used as asset collateral and 30 million yuan is unsecured, so the credit exposure of this enterprise is 30 million yuan.
The exposure amount is the enterprise loan amount, which is mainly used to pay credit funds. The amount of exposure is equal to the total amount of bank loans MINUS the amount of margin, and the rest is the amount of exposure. If an enterprise needs to issue an invoice of1000000 yuan when it goes to the bank for loan, it needs to pay the general guarantee deposit and put it into the bank account. After the bills due are paid normally, the deposit can be transferred to the company account again. The balance of exposure refers to the total credit exposure minus the risk exposure.