The procedure is simple. The borrower handles the credit business according to the credit contract, and the bank will no longer conduct credit investigation and approval; 3. If it is a comprehensive credit line, the borrower can not only obtain loans, but also handle the business of opening acceptance bills and international settlement financing in accordance with the credit contract.
According to the relevant regulations of the regulatory authorities and the company's requirements, the credit line for customer margin financing and securities lending is =MIN (the company's remaining available credit line, the company's single customer limit, the customer's application limit, the credit line, financial assets ×50% or total assets ×25%). That is, the customer's credit limit shall not exceed:
1, the remaining available credit line of the company;
2. The maximum amount of single customer stipulated by the company: the financing amount of single customer shall not exceed 2% of the net capital; The amount of securities lending shall not exceed 0% of 65438+ net capital;
3. Customer application quota;
4. Customer credit limit;
5. 50% of the customer's financial assets or 25% of the total assets.
Among them, the method for determining the upper limit of customer credit is as follows:
1, customer credit limit = customer general account assets × credit coefficient.
2. The assets in a customer's general account include cash and the market value of securities, of which the market value of securities is calculated according to the closing price of the trading day before the customer's application date, which is limited to the securities denominated in RMB, excluding the securities assets in the customer's account that are frozen, restricted in liquidity or have incomplete asset rights due to other reasons.
3. The credit coefficient is determined according to the credit rating of the customer.
2. What are credit lines and loan lines? The difference is easy to understand!
Now, more and more people need to apply for loans. In the process, I will be confused about some terms. For example, what is the meaning of credit line and loan line, and what is the difference. Today, I will introduce the relevant content to you.
basic concept
Credit line refers to the stock management index of financial institutions. In other words, the credit line is the highest loan line that financial institutions can provide to borrowers.
The actual loan amount within the maximum loan amount approved by the financial institution.
The difference between the two
Credit line and loan line are the main intentional lines, while loan line is the actual cash withdrawal line, and credit line is always greater than or equal to loan line. You can only increase the borrower's loan line, otherwise the biggest loan line is the credit line.
explain
A large commercial bank allows the borrower Xiao Zhang to borrow up to 200,000 yuan from the bank, but Xiao Zhang actually applies to the bank for cash withdrawal of 654.38+million yuan, so this 654.38+million yuan is the loan amount. If Xiao Zhang quits 50,000 yuan in the future, it will reach 1.5 million yuan. However, no matter how Xiao Zhang borrows money, his loan amount cannot exceed the credit limit of 200,000 yuan.
Above, I introduced the meaning of credit line and loan line, and what is the difference. Generally speaking, the credit line cannot exceed the credit line.
3. What are credit lines and loan lines? The difference is easy to understand!
Now, more and more people need to apply for loans. In the process of applying for and using loans, people will be confused about some terms. For example, what is the meaning of credit line and loan line, and what is the difference. Today, I will introduce the relevant content to you.
The basic concept of credit line refers to the stock management index of short-term credit business approved by financial institutions for customers. In other words, the credit line is the highest loan line that financial institutions can provide to borrowers. The loan amount generally refers to the amount actually borrowed by the borrower within the maximum loan amount granted by the financial institution. The main difference between credit line and loan line is that credit line belongs to intentional line, while loan line is actual withdrawal line, and credit line is always greater than or equal to loan line. Only by increasing the borrower's credit line can his loan line be increased, otherwise the biggest loan line is the credit line. For example, a large commercial bank allows the borrower Xiao Zhang to borrow a maximum of 200,000 yuan from the bank, and the maximum loan amount of 200,000 yuan is the credit line. If Xiao Zhang actually applied to the bank to withdraw 6,543,800 yuan, then this 6,543,800 yuan is the loan amount. If Xiao Zhang withdraws 50,000 yuan in the future, Xiao Zhang's loan amount will increase to 6.5438+0.5 million yuan. However, no matter how Xiao Zhang borrows money, his loan amount cannot exceed the credit limit of 200,000 yuan. Above, I introduced the meaning of credit line and loan line, and what is the difference. Generally speaking, the credit line is the maximum of the loan line, and the loan line cannot exceed the credit line.
4. What's the difference between credit balance and loan balance?
The credit balance is the loan amount that the bank can give you, but it may not be fully paid to you. Within this limit, the loan can be extended, but the total amount cannot exceed the credit balance.