Generally speaking, a bank gives an enterprise a line with corresponding business types, and the line can be recovered within a certain period of time.
Loan: Generally, it is a one-off behavior, which can be divided into narrow sense and broad sense. Banks in a broad sense refer to banks in a narrow sense, namely: working capital loans, fixed assets loans and other physical assets business.
Financing: Both of the above two concepts are included, and both belong to financing behavior. And financing includes channels other than banks, such as issuing corporate bonds or listing.
Two. Explain in detail the differences and relationships among comprehensive credit line, exposure line and financing line?
Spread out completely
Comprehensive credit line is financing line, exposure line is account exposure and loan line, and 50 million is deposit. For example, if you use 10 yuan Borrow 10 yuan, others will definitely not. 10 yuan is your financing limit, and others can only give you 5 yuan, which is the exposure limit.
3. What's the difference between financing line and credit line?
First of all, the essence of the two is different:
1. The essence of credit granting: Simply put, credit granting refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties.
2. The essence of financing: refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the principle of the two is different:
1. Principle of credit line:
(1) According to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risks and other factors in different regions, differentiated credit granting shall be implemented.
(2) Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors.
(3) Adjust the credit line to all regions and customers in a timely manner according to the changes of financial risks and customers' credit in all regions.
(4) Within the determined credit line, the amount of each loan and the actual total loan amount are specifically determined according to the actual capital demand, repayment ability, credit policy and the ability of banks to provide loans of local and customers. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks.
2, the principle of financing amount:
(1) Loan security is the primary problem faced by commercial banks.
(2) Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land to meet the needs of customers to withdraw their deposits at any time.
(3) Efficiency is the basis of sustainable operation of banks.
Third, the two ways are different:
1. Credit way: Credit of commercial banks can be divided into two ways: basic credit and special credit.
2. Financing method amount: loans in a broad sense refer to loan, discount, overdraft and other capital lending methods.
Answer over.
Four. Explain in detail the differences and relationships among comprehensive credit line, exposure line and financing line?
The comprehensive credit line is also an account exposure and a loan line, and 50 million is a deposit. For example, if you borrow something with 10 yuan for 10, others will definitely not take it. 10 is your 5 yuan, which is the exposure limit.