The difference between borrowing and liabilities:
Borrowing, in layman's terms, is money borrowed.
Liabilities are debts owed to others, including money owed, things owed or transfer fees owed for the right to use.
Liabilities include loans.
Borrowing refers to the funds borrowed by enterprises from banks and other financial institutions and other units, including credit loans, mortgage loans and trust loans.
Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.
Borrowing is also divided into long-term borrowing and short-term borrowing.
Long-term loans refer to loans borrowed by enterprises from banks or other financial institutions with a term of more than one year (excluding one year). The long-term loans of joint-stock enterprises in China are mainly long-term loans borrowed from financial institutions, such as loans obtained from professional banks and commercial banks; In addition, it also includes funds borrowed from finance companies, investment companies and other financial enterprises.
Liabilities refer to the current obligations formed by past transactions or events of an enterprise, which are expected to lead to the outflow of economic benefits from the enterprise.
According to the definition of liabilities, liabilities have the following characteristics:
Liabilities in accounting elements:
1. Liabilities are current obligations undertaken by enterprises;
2. Paying off debts is expected to lead to the outflow of economic benefits from the enterprise;
3. Liabilities are formed by past transactions or events.
Two, bank loans are liabilities or assets.
Bank loans are liabilities. Short-term bank loans (current liabilities). Medium and long-term loans (long-term liabilities).
Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Three. What business assets or liabilities does a commercial bank lend to an enterprise?
The liabilities of commercial banks are debts that banks (banks) bear due to trust, which can be measured in money and will be paid by assets or capital. Liabilities represent all economic responsibilities of commercial banks to debtors. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, there are interbank deposits, interbank deposits, borrowing funds or issuing bonds. It also constitutes a bank (
Reply time: 202 1-07-0 1. Please refer to the latest business changes announced by Ping An Bank in official website.
[I know Ping An Bank] Want to know more? Come and watch I Know Ping An Bank ~
https://b.aim/ikno
4. Is the loan an asset or a liability?
When an enterprise obtains a loan, if it is a short-term loan, monetary funds will increase and short-term liabilities will also increase; If it is a long-term loan, it is also an increase in monetary funds and long-term liabilities. Loans are liabilities, but the funds obtained from loans are assets.