Postal Bank loan scale

Postal Bank loan scale is 7.15 trillion yuan.

According to the official information of Postal Bank, as of January 12, 2023, the total number of customer loans of Postal Bank exceeded 7 trillion yuan, reaching 7.15 trillion yuan, an increase of 10.81% from the end of the previous year, and an increase of 697.770 billion from the end of the previous year. yuan, an increase of 42.675 billion yuan year-on-year, and the increase hit a record high for the same period in history.

The expansion of credit scale means the expansion of loan scale. Credit scale, also known as loan scale, is an indicator determined in advance by the central bank to control bank loans in order to achieve monetary policy goals in a certain period.

Is the loan balance the same as the total loan amount?

Is the loan balance the total loan amount?

1. The loan balance and the total loan amount are two different concepts: the total loan amount reflects The total amount of creditors incurred by an enterprise at the end of the accounting period, which represents the total amount of debt or financing the enterprise borrowed from banks,

2. The loan balance refers to the loans that have not been repaid by the end of the accounting period, and the outstanding loan balance It is equal to the total loan amount less bank loans that have been repaid. That is, the loan balance of the short-term loan or long-term loan account = the loan balance in the previous period, the credit amount in the current period (increased financing) - the debit amount (the number of loan repayments).

This is my answer!

What is the difference between the total loan amount and the loan balance in a pawn shop?

The loan balance refers to the unpaid part (that is, the total loan minus the repaid part), and the loan amount is the total loan.

What is ‘total secured loan amount’? What does it have to do with ‘guaranteed loan balance’?

The interrelated relationship between the total amount of guaranteed loans and the balance of guaranteed loans.

'Total guaranteed loans'--is the cumulative amount and is a period indicator. 'Secured loan balance'--is the current balance and is a point-in-time indicator.

Total guaranteed loans: refers to the fully guaranteed portion of the total loan amount.

Balance of guaranteed loans: total amount of guaranteed loans - balance of external guarantees.

, refers to a single loan with the total loan balance of the farmer household being less than 100,000 yuan (including the principal amount).

This means that as of a certain node date, the borrower has not repaid the total amount of the loan to the lender.

Total loan balance

Basic concept:

The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loans refer to the total amount of loans that commercial banks have issued as of a certain date. It is the total amount of creditors incurred by an enterprise at the end of the accounting period. It represents the total amount of debt or financing that an enterprise has borrowed from banks. Loan balance refers to the loans that have not been repaid by the end of the accounting period. The outstanding loan balance is equal to the total loan amount minus the repaid bank loans.

Loan-to-deposit ratio:

The loan-to-deposit ratio is one of the bank’s assessment indicators, that is, the ratio of total loans to total deposits cannot exceed 75, otherwise it will violate the regulations and there will be huge problems. Risk, the sum of deposit balance and loan balance is the total deposit, the deposit balance is the liability indicator, and the loan balance is the asset indicator.

Range of change in deposits:

1. According to the types of corporate deposits, corporate demand deposits and agreement deposits in domestic and foreign currencies decreased by 100.22 billion yuan and 73.96 billion yuan respectively in the first three quarters, which were less than the same period last year. A decrease of 50.73 billion yuan and an increase of 93.02 billion yuan; time deposits, call deposits and structured deposits increased by 172.82 billion yuan, 69.77 billion yuan and 50.54 billion yuan respectively, an increase of 8.98 billion yuan, 56.03 billion yuan and 8.75 billion yuan respectively year-on-year. At the end of September, the proportion of corporate demand deposits in all corporate deposit balances was only 30.3, a decrease of 4.3 percentage points from the beginning of the year. The trend of corporate deposits becoming regular is obvious.

2. By currency, in the first three quarters, the city’s new RMB personal deposits were 221.84 billion yuan, an increase of 49.38 billion yuan year-on-year; new foreign exchange personal deposits were US$720 million, an increase of US$270 million year-on-year.

3. According to the types of personal deposits, time deposits and structured deposits increased by 151.12 billion yuan and 37.14 billion yuan respectively, a year-on-year increase of 45.93 billion yuan and a decrease of 10.01 billion yuan respectively; demand deposits increased by 36.81 billion yuan. yuan, an increase of 17.12 billion yuan year-on-year.

What does total loan balance mean?

It is the amount of deposits of financial institutions and the amount of loans of financial institutions at a certain point in time. Financial institutions mainly include commercial banks and policy banks, non-bank credit institutions and insurance companies.

The total loan amount is the loan amount agreed when the borrower signs a loan contract with the lending institution. It is a fixed amount, and the loan balance is the loan that has not been repaid. If we use a formula to explain the relationship between total loan amount and loan balance, then loan balance = total loan amount - loan amount repaid.

Extended information:

Notes:

1. When applying for a loan amount, you must be moderate and fully consider your personal and family financial status and financial management habits. , usually the monthly repayment amount should not exceed 50% of the family’s total income.

2. Maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan, and may even be rejected by the bank.

3. When taking out a loan, you must provide true personal information to the bank, cultivate a good sense of integrity from the beginning, and do not provide false information, otherwise you may be included in the bank's blacklist and will be All banks refuse to enter the market, and you must notify the bank promptly when your personal information changes.

4. Loan applicants must have a stable source of income and have the willingness and ability to repay. Office workers must provide salary certificates and bank statements, etc. Those who open a company or are self-employed must provide information describing their business conditions, bank statements, physical assets (such as real estate) and financial assets (such as bank deposit certificates, treasury bonds), etc.