(2) Personal pledge loan has four main characteristics:

① Low loan risk. Because the borrower needs to pledge the certificate of title with sufficient value and strong liquidity to the bank, the risk of bank loan is low. The risk control of this kind of loan focuses on the authenticity, legality and realizability of the pledge, and the bank can omit the credit evaluation of the borrower.

② The application time is short. Personal pledge loan is generally urgently needed by borrowers, which requires high efficiency and takes a long time to handle.

95. Please talk about how commercial banks can strengthen the internal management of letter of guarantee business in combination with the actual work.

(1) Strictly implement the regulations on the management of letter of guarantee business and accept all kinds of letter of guarantee business within the prescribed scope.

(2) In principle, it only accepts the entrustment of customers who open basic settlement accounts in banks, and strictly controls the credit line of this customer. (3) The law should be carefully chosen when establishing bank guarantee business with overseas legal persons as beneficiaries.

(4) Customers without credit line must make counter-guarantee when handling bank guarantee business.

Risks are different from or compatible with the responsibilities of commercial banks, and take the form of collecting margin, credit counter-guarantee and property mortgage.

(5) Pay attention to the follow-up management of the letter of guarantee, and do a good job in project supervision, accounting, balance change and cancellation, statistical statements, accounts received in advance, and file management of the bank letter of guarantee business.

(6) It is necessary to fully adjust the credit information of the parties to the bank guarantee business, mainly the credit information of the principal, beneficiary and counter-guarantor. (7) Strictly review the terms of the bank guarantee, ensure that the contents of the guarantee agreement are consistent with those of the bank guarantee, and clearly stipulate the contents to avoid possible disputes. 96. Please describe the similarities and differences between the letter of guarantee and the standby letter of credit.

(1) The meaning of letter of guarantee and standby letter of credit. (2) Similarity.

The legal parties are basically the same. Letter of guarantee and standby letter of credit are issued by banks or other powerful non-bank financial institutions to the other party of the transaction at the request or instruction of the parties (applicants) under a certain transaction contract.

A written document issued by (the beneficiary), promising to make superficial payment for the written claim statement or other documents submitted according to its provisions.

(2) Letter of guarantee and standby letter of credit are important forms of international settlement and guarantee.

(3) In the practice of international economy and trade, most of the letters of guarantee are on demand, which absorbs the characteristics of letters of credit and is getting closer and closer to letters of credit, making the nature of on demand letters of guarantee and standby letters of credit increasingly the same.

(3) differences.

(1) guarantee can be divided into subordinate guarantee and independent guarantee, but standby letter of credit has no such distinction. As a form of letter of credit, standby letter of credit has no distinction between attributes and independence. Independent, self-sufficient,

Pure document transaction? The issuing bank only decides whether to pay according to the terms of the letter of credit, which has nothing to do with the basic contract.

② The applicable legal norms and international practices of letter of guarantee and standby letter of credit are different. 97. Please talk about your understanding of the loan commitment business of commercial banks in combination with your work practice.

(1) Loan commitment refers to the agreement that the bank promises to provide loans to the borrower within a certain period of time or according to the agreed conditions. It belongs to the off-balance sheet business of the bank and is a kind of direct credit promised at a certain time in the future. Can be divided into irrevocable loan commitment and revocable loan commitments. For customers who fail to make loans within the specified loan amount.

For the parts used, the customer must pay a certain commitment fee. There are three kinds of loan commitments commonly used by commercial banks: repurchase agreement, loan amount and note issuance facilities.

(2) The significance of the loan commitment to the borrower lies in: ① The loan commitment provides it with greater flexibility. (2) The loan commitment ensures that the borrower has a source of funds when it needs funds, and improves its credit reliability, so that it can be integrated.

The capital market is in a very favorable position, which reduces the financing cost. The loan commitment provides the promised bank with high profitability.