The scope of the two is different.
The credit line is greater than the credit exposure line, which includes loan line and letter of credit line. And the credit exposure limit can only be fully increased if the loan applicant provides a certain margin, so here, the scope is definitely smaller than the former, for example, the bank credit limit is 654.38+00,000, the exposure limit is 500,000, and the other 500,000 can only be obtained if the enterprise provides a margin, which is limited.
For different objects.
The credit line is open to all users, and everyone can apply for it as long as necessary, while the credit exposure line is often applied for corporate loans. So the objects of the two are different. Individuals and enterprises can apply for credit lines, but they need to provide relevant materials in advance. Enterprises can only choose the latter if they want to apply. But in either case, you must meet the conditions in order to apply successfully.
The credit line is the loan line issued by the bank according to the qualifications and policies of the borrower. If the borrower's credit is good, then the loan can be obtained without mortgage guarantee, and the operation is relatively simple. The exposure amount is the loan amount of the enterprise, the amount of credit funds that the enterprise can actually pay, and the bank book loan is equal to the sum of the exposure amount and the deposit amount. In fact, the two have similar meanings, both of which can be applied and have the same purpose. The only difference is the size of the credit line in practical application. The scope of credit line is wider, and more lines can be obtained. You can apply for the corresponding route according to your own conditions and local policies.