The purpose of this forecast is to obtain accurate annual operation data. Basically, at the end of 1 1, it is almost clear how many loans can be put and how many deposits can be absorbed.
Bank lending refers to a kind of credit activity in which banks provide monetary funds to people in need at a certain interest rate on the condition that they must return them.
Loan is the main asset of a bank, the main channel of capital utilization, the main way of profit and the focus of bank operation.
Bank lending should consider safety, profitability and liquidity to ensure its normal operation and maintain high returns.
Therefore, determining a reasonable loan scale and structure has become an important task of bank asset management.
Through bank lending, the contradiction between idle funds and insufficient funds in social capital turnover has been solved, and social funds have been effectively and fully utilized, which will play a beneficial role in promoting the establishment and development of socialist market economy.
Bank loans should conform to the national industrial policy, strictly implement the national interest rate policy, and accept the supervision of financial management agencies and relevant departments.
Follow the principles of planned loan management, material guarantee, timely repayment, "differential treatment, preferential support" and "first evaluation (adjustment), then loan commitment" and economic benefits.
The principle of economic benefit is the basic principle that banks must follow when issuing loans and borrowers use loans.
Private lending refers to the lending behavior between citizens, citizens and legal persons, and citizens and other organizations. The subject of funding can be citizens, legal persons or other organizations.
As long as the opinions of both parties are true, it can be considered valid, and the mortgage generated by the loan is correspondingly valid, but the interest rate shall not exceed 4 times of the benchmark interest rate of the People's Bank of China in the same period.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level.
Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers need a universally recognized benchmark interest rate level as a reference to measure financing costs, investors calculate investment returns and management's macro-control.
Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.