Develop customers, and you can make money with the next payment. I have a customer channel to trust me privately.

Second, enterprise credit is the main profit source of commercial banks, and the level of loan profit is directly related to the loan price. Loan price (), single profit () ...

A

Enterprise credit is the main source of commercial banks' profits, and the level of loan profits is directly related to the loan price. The loan price is low and the profit is single.

multiple-choice

Third, how do banks make profits through loans?

This principle is simple.

If you only look at the deposit and loan interest rates.

Interest on time deposit:

1 year

2.25

It's been two years.

2.79

three years

3.33

Loan interest:

One to three years (inclusive)

5.40

Earning spreads makes banks profitable.

However, with the development of intermediary business and other businesses

Deposit-loan spreads are no longer the only way for banks to make profits.

Fourth, how can loan officers make banks profitable?

The loan officer is only a staff member of the bank and can only act in accordance with the regulations of the bank. The bank's profit mainly depends on the following three aspects:

1. Deposit and loan spread

Generally speaking, the bank's deposit interest rate is lower than its loan interest rate, that is, the cost of absorbing public deposits is lower than the income generated by lending to the public. The difference between them lies in the income generated by banks through deposit and loan business, which is the main source of income for banks.

2. Intermediate business

Banks also make profits through some intermediary businesses, such as small account fees, annual account fees and inter-bank transfers. Such income is generally the handling fee and settlement fee charged by the bank. At the same time, banks will also sell some wealth management products on a commission basis and charge a certain service fee, such as selling some funds on a commission basis.

3. Credit card business

At present, with the popularity of credit cards, it will also bring considerable income. The main sources are: annual fee for the first year, business card printing fee (replacement card), installment repayment fee and so on.