Interest rate:
1. The loan interest rate in RMB is subject to the loan interest rate stipulated by the People's Bank of China.
2. The interest rate of foreign exchange loan is determined according to the relevant regulations of the bank, the fund raising cost of the handling bank and the level of the same industry, which can be fixed interest rate or floating interest rate.
3. Interest rate changes during the loan period shall be implemented according to the bank notice.
4. If the extended loan term plus the original term reaches the new interest rate term grade, it will be collected at the new term grade interest rate from the date of extension.
5. The interest rate of overdue loans shall be subject to the interest rate stipulated by the People's Bank of China.
6, misappropriation of loans, according to the bank interest rate. Real estate development loans are medium and long-term project loans issued to real estate development enterprises for housing, commercial housing and other real estate development and construction. The proportion of real estate development loans in various banking businesses is not very high, especially in large banking businesses, which is relatively low, generally below 8%. The term of real estate development loans is generally not more than three years (including three years). In principle, the loan should be secured by mortgage or pledge such as national debt, certificates of deposit and covered letters of credit that the borrower has the right to dispose of, and the part with insufficient guarantee capacity can be guaranteed by guarantee. The object of real estate loans is state-owned, collective, foreign-funded and joint-stock enterprises with registered real estate development and management rights. According to different development contents, there are the following types of real estate development loans: 1. Housing development loans refer to loans issued by banks to real estate development enterprises for the development and construction of housing for market sales. 2, commercial housing development loans, refers to the bank to real estate development enterprises for the development and construction of market sales, mainly for commercial activities rather than family housing loans. 3. Land development loans refer to loans for land development issued by banks to real estate development enterprises. 4. Working capital loans for real estate development enterprises refer to loans that real estate development enterprises need to apply for and have nothing to do with specific projects. Because it is still used to support real estate development, such loans are still real estate development loans.
Two, at present, for domestic small and medium-sized commercial banks, what is the best proportion of medium and long-term loans? ...
I don't think so
3. At present, what is the best proportion of medium and long-term loans for domestic small and medium-sized commercial banks? I wonder if there is any relevant research?
Hello, I'm a bank clerk.
Medium-and long-term loans Commercial banks generally borrow short-term.
This is a project loan. However, the amount of project loans is generally large.
Because it is a project loan, there is no proportion of medium and long-term loans. If there are good projects, the proportion will be smaller.
So what you said is the best, and I can't answer your specific situation.
Commercial banks' loans to affiliated enterprises generally do not exceed%
thank you
Hello, it's hard for me to answer after reading your supplement. I am a small and medium-sized enterprise, and medium and long-term loan business generally occurs in large enterprises. I asked the big companies. I'm sorry
4. Why is the medium-term loan ratio of commercial banks 120% greater than 100%?
The medium-term loan ratio of commercial banks is 120%, which is greater than 100% because the medium-and long-term loan ratio refers to the ratio of the balance of medium-and long-term loans issued by banks over one year to the balance of various deposits over one year. It reflects the liquidity of bank loans, and the higher the ratio, the worse the liquidity; Conversely, the stronger the liquidity. According to the current regulations of China's central bank, the ratio should not be higher than 120%, so the medium-term loan ratio of commercial banks is 120%, which is greater than 100%.