Compensatory balance means that the loan issuing bank requires the borrowing enterprise to deposit a certain proportion of the total loan amount or the actual loan amount (generally 10% to 20%) in the loan issuing bank with low interest or interest-free. Compensatory balance helps banks reduce loan risks and compensate possible risks; For borrowing enterprises, the compensatory balance increases the real interest rate of loans, the interest paid by enterprises remains unchanged, and the total amount of loans actually received decreases, which increases the financial burden of enterprises.

Response time: 2021-08-11. Please refer to the latest business changes announced by Ping An Bank in official website.

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