2 loan balance refers to the outstanding loans at the end of the accounting period. The outstanding loan balance is equal to the total loan minus the repaid bank loan. That is, the loan balance of short-term loans or long-term loans = the loan balance of the previous period+the amount incurred by the lender (increase in financing)-the amount incurred by the borrower (repayment of loans).
Hereby answer!
What's the difference between the total loan amount and the loan balance of pawn shops? The loan balance refers to the unpaid part (that is, the total loan MINUS the paid part), and the loan amount is the total loan.
What is a "total secured loan"? What is the relationship with' secured loan balance'? The relationship between the total amount of secured loans and the balance of secured loans.
Total secured loan'-cumulative amount, which is an indicator of a period.' Guaranteed loan balance'-is the current balance, which is a time indicator.
Total secured loans: refers to the part of the total secured loans.
Balance of secured loans: total secured loans-balance of external guarantees.
Microfinance refers to a loan whose total balance of a single loan is less than 654.38+10,000 yuan (inclusive). This means that as of a certain node date, the borrower has not returned all the loans to the lender.
Total loan balance
Basic concepts:
The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period. It means the total amount of loans or financing borrowed by enterprises from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan.
Loan-to-deposit ratio:
Loan-to-deposit ratio is one of the bank's assessment indicators, that is, the proportion of total loans to total deposits cannot exceed 75%, otherwise it is illegal and risky. The sum of deposit balance and loan balance is total deposit, deposit balance is debt indicator and loan balance is asset indicator.
Change range of deposits:
1. According to the types of corporate deposits, demand deposits and agreed deposits of local and foreign currency units decreased by 10022 billion yuan and 73.96 billion yuan respectively in the first three quarters, down by 50.73 billion yuan and up by 93.02 billion yuan respectively. Time deposits, call deposits and structured deposits increased by 654.38+072.82 billion yuan, 69.77 billion yuan and 50.54 billion yuan respectively, up by 8.98 billion yuan, 56.03 billion yuan and 8.75 billion yuan respectively. At the end of September, unit demand deposits only accounted for 30.3% of the total balance of unit deposits, down 4.3 percentage points from the beginning of the year, and the trend of unit deposits was obvious.
2. In terms of currency, in the first three quarters, personal RMB deposits in the city increased by 22 1.84 billion yuan, an increase of 49.38 billion yuan over the same period of last year; Personal foreign exchange deposits increased by $720 million, an increase of $270 million year-on-year.
3. According to the types of personal deposits, time deposits and structured deposits increased by1510.20 billion yuan and 3.710.40 billion yuan respectively, increasing by 45.93 billion yuan and decreasing by100/kloc-0.00 billion yuan respectively. Demand deposits increased by 36.865438 billion yuan, up by 65.438+0.710.20 billion yuan year-on-year.