Corporate credit refers to capital lending or credit support activities with banks as the main providers and non-natural persons such as legal persons and other economic organizations as the main recipients. Corporate credit business is an important asset business of commercial banks in China and the main way for commercial banks to make profits. The scale and structure of corporate credit business are of great significance to the success or failure of commercial banks, and its operating results directly affect the realization of commercial banks' security, liquidity and profitability goals.
The related concepts of corporate credit include credit, bank credit, corporate credit, loan, acceptance, guarantee, letter of credit, reduction and exemption of transaction margin, credit commitment, direct financing and indirect financing.
The basic elements of enterprise credit mainly include transaction object, credit product, credit limit, credit term, loan interest rate and rate, repayment plan, guarantee method and constraint conditions.