Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, macro-control the national economy, supervise and manage financial institutions and even specialized financial institutions in the financial industry.
Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: Financial institutions that participate in or guarantee shares, engage in policy financing activities directly or indirectly in specific business areas for non-profit purposes, and serve as tools for the government to develop the economy, promote social progress and conduct macroeconomic management.
Commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications. Responsibilities: Financial institutions that act as credit intermediaries through deposits, loans, remittances and savings. Commercial banks are one of the most important financial institutions, and their main business scope includes absorbing public deposits, issuing loans and discounting bills.
Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, Societe Generale, etc. Responsibilities: Non-bank financial institutions engaged in securities issuance, underwriting, trading, enterprise restructuring, mergers and acquisitions, investment analysis, venture capital, project financing, etc.
World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.
Extended data:
The difference between a loan company and a bank:
First, the difference between the two is that the loan term is not-.
It takes about three weeks for a bank to apply for a mortgage, from customer application review to loan issuance.
The process of a loan company is relatively simple and much faster. Generally, the loan can be released within seven days, and it can be approved in one day if it is urgent. For customers who are in urgent need of money and can't wait for bank approval, reputable loan companies can solve their urgent needs.
Second, their application requirements are different.
Generally speaking, the loan company's application requirements are lower, and the company bears greater risks. High risks bring high returns, and loan companies often charge higher interest than banks.
There are many requirements in bank rules and regulations, and the loan interest is relatively low. Therefore, when applying for a bank or a professional loan company, the applicant needs to weigh his actual situation before making a decision.
Third, the loan amount between them is different.
The maximum loan amount of a bank is limited by personal income or mortgage assets, so it is difficult to lend excessively.
If you seek the help of a professional loan company, you have an advantage over the bank in terms of amount.
Comparing the advantages and disadvantages of loan companies and banks, applicants can make a choice according to their actual situation.
If you need money badly in the short term and can't wait for a bank loan, a professional Shenzhen loan company can solve the urgent need.
If it is a long-term bulk loan, it is more cost-effective to choose a bank.
Knowing the advantages of banks and loan companies, we can learn from each other's strong points and make rational use of them in our daily life, providing more convenience for our lives.
References:
Baidu encyclopedia-loan company
Baidu encyclopedia-bank