Current location - Loan Platform Complete Network - Loan intermediary - Among the following options, the statement about the statistical project of credit fund utilization is correct ().
Among the following options, the statement about the statistical project of credit fund utilization is correct ().
Answer: a, b, c, d

(1) Loans are the main items used by deposit-taking financial institutions, including short-term loans, medium-and long-term loans, bill financing and various advances. (1) Short-term loans refer to loans used for working capital in deposit-taking financial institutions after 65,438+0 years of enterprise restructuring, including industrial loans, commercial loans, construction loans, agricultural loans, loans to township enterprises, loans to foreign-funded enterprises, private and personal loans, interest subsidies and short-term loans (such as economic development loans and housing loans). Medium-and long-term loans refer to working capital loans issued by deposit-taking financial institutions for more than 65,438+0 years and loans for capital construction and technological transformation, including capital construction loans, housing development loans, commercial housing development loans, other real estate development loans, technological transformation loans and other medium-and long-term loans. (3) Bill financing refers to the discount of commercial bills and the use of funds formed by discount. All kinds of advances, including acceptance, discount, letter of credit and other advances.

(2) Gold and silver deposits refer to gold and silver deposits formed by buying and selling gold and silver by banks.

(3) Foreign exchange account refers to the funds occupied by the foreign exchange inventory formed by the buying and selling of foreign exchange by banks.

(4) Inter-bank exchange balance refers to the mutual fund occupation formed by bank institutions entrusting or acting as agents to receive and pay money and carry out inter-bank business. Where this bank occupies the funds of other banks, it is called payable exchange, and other banks occupy the funds of this bank, it is called receivable exchange.

(5) The assets of international financial institutions are assets formed by Chinese banks in their dealings with international financial institutions. For example, according to the regulations, the member countries of the International Monetary Fund and the World Bank need to pay their fund shares with foreign exchange funds and some domestic currencies. China's fund share is reflected in this project. China's RMB share was deposited in the People's Bank of China by these institutions, which was reflected in the project of "Liabilities to International Financial Institutions" funded by the People's Bank of China.

(6) Financial borrowing refers to loans and overdrafts issued by the central bank to the financial sector to support the financial deficit. Overdraft refers to the activity that a customer who opens a current deposit account in a bank can sign a check and withdraw more than the deposit balance within a certain amount after reaching an agreement with the bank in advance. Financial overdraft means that the financial department overdraws from its deposit account in the central bank to make up for the deficit. Currency issuance caused by financial loans and overdrafts of the central bank usually has no material basis, and the amount exceeding a certain limit may lead to inflation. So the correct answer to this question is ABCD.