1. The comprehensive credit line is the loan line issued by the bank according to the qualifications and policies of the borrower. Nowadays, credit is basically granted through collateral or credit. If the borrower can provide collateral that meets the requirements of the bank, then the bank will calculate the credit line according to the assessed value of the collateral, which is generally 50% to 80%. If the borrower has good credit and does not need mortgage guarantee, it is relatively simple to obtain a loan.

2. The exposure line is the loan line of the enterprise, which is the credit fund line that the enterprise can actually use to pay. The bank's book loan or acceptance amount is equal to the sum of the exposure amount and the margin amount.

If the bank gives a credit of 6,543,800 yuan, and you make a bank acceptance bill with a margin of 50% and a face value of 2 million yuan, then you have used up the bank exposure of 6,543,800 yuan, and this credit of 6,543,800 yuan is also called open credit.

3. Credit line and risk line. The scope of credit line is wider, which can be subdivided into loan line, letter of credit line, export draft line, letter of guarantee line, bank acceptance draft line, acceptance draft discount line and so on.

If the bank's credit line to the enterprise is 3 million, then the exposure line is 6.5438+0 million, and the other 2 million can only be obtained if the enterprise provides a deposit. If there is no deposit, it is actually only 6.5438+0 million, and the other 2 million cannot be raised. To sum up, in fact, the two meanings are similar, and the difference is only the size of the quota in practical application. You can apply for the corresponding quota according to your own conditions and bank policies.

4. Corporate financing refers to customized financing solutions launched by financial institutions for SMEs. Existing enterprises raise funds to complete the project investment and construction. No matter before or after the completion of the project, there will be no new independent legal person. Debt funds such as loans are actually used for project investment, but the debtor is a company rather than a project, and the cash flow and assets of the whole company can be used to repay debts and provide guarantees; In other words, the creditor has full recourse to the debt, and even if the project fails, the company must repay the loan, so the risk of the loan is relatively low.

Tips: The above information is for reference only.

Reply time: 202 1- 10-09. Please refer to the latest business changes announced by Ping An Bank in official website.

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