The corporate business of the bank includes enterprise electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset recommendation, fund custody and so on. , also known as "corporate business".
The most basic departments of banks are savings, accounting and credit. Accounting can be said to be the backstage and service department of credit, and it is the deposit and loan business of units, which is a bit like the sales department of general companies. All business dealings between these units and banks are realized through the accounting department. Specifically, the company's business focuses on customers such as corporate legal persons and units, and conducts various businesses such as checks, remittances and loans around corporate deposit accounts.
Extended data:
The risks of the Bank's corporate business are as follows:
1. The commercial banks in China are not fully aware of the risks of bank loans. They pay too much attention to scale, but they don't fully understand the quality of assets.
2. The loan ratio is too high. Loans account for about 75% of bank assets, and generally do not exceed 50% abroad.
3. The loan concentration is too high. At present, the loans of China's commercial banks are mainly concentrated in big cities, large projects, large enterprises, or listed companies and monopoly enterprises. About 80% of the loans of the four state-owned commercial banks are concentrated in state-owned enterprises, but their output value only accounts for 30% of the total industrial added value. In the process of enterprise transformation and formation, "matrix fission", "golden cicada shelling" and bankruptcy have increased the credit risk of banks.
4. Non-performing loans remain high. A large number of non-performing loans of commercial banks in China have seriously affected their normal operation and development. Although the state has given a series of policies such as write-off, divestiture and debt-to-equity swap in recent years, some positive changes have taken place in non-performing loans, but the phenomenon of non-performing loans being cleared first and then increased is still relatively common.
5. The loan "three checks" system can not be strictly implemented, the risk responsibility mechanism is not perfect, the responsibility and rights are asymmetric, the loan indicators are blindly issued, and the mortgage loan is not standardized, so it is difficult for banks to enforce the mortgage right.
Baidu Encyclopedia-Bank's Corporate Business