Corporate customers are one of the important groups in banking business. When determining the risk limit, it should be considered comprehensively according to the specific situation, mainly including the following aspects: 1 Enterprise qualification. Including registered capital, main business scope, reputation and other factors. Generally speaking, the higher the registered capital, the wider the main business scope, the better the reputation and the smaller the risk. 2. Operating conditions. Refers to the current operating conditions and development prospects of enterprises, including operating income, cash flow, industry prospects, etc. These indicators can help to judge the future profitability and solvency of enterprises. 3. Historical credit records. Including corporate repayment records, overdue records, arrears records, etc. These records can reflect the repayment willingness and credit level of enterprises. 4. Terms of cooperation. Refers to the term of cooperation between enterprises and banks, including loan term and credit term. Generally speaking, the longer the cooperation period, the smaller the risk. When determining the risk limit, we should comprehensively consider the above factors and make judgments and decisions in combination with the actual situation.
Do corporate customers need to provide guarantees? For corporate customers, banks may require them to provide appropriate guarantees. The form of guarantee can be collateral, deposit, third-party guarantee, etc. The bank will decide whether to provide guarantee according to the customer's credit rating and risk level.
Many factors need to be considered when determining the risk limit of corporate customers, and the decision should be weighed according to the actual situation. At the same time, when cooperating with corporate customers, banks should also pay attention to risk control and preventive measures, and strengthen risk management and monitoring.
Legal basis:
Article 3 of the Company Law of People's Republic of China (PRC) is an enterprise legal person, with independent legal person property and legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; The shareholders of Hongxiong Lead Industry Co., Ltd. are liable to the company to the extent of the shares subscribed by them.