Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. 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.
Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards.
Scientifically classifying and setting loan types is of great significance for implementing loan policies, correctly using credit funds, studying loan structure, strengthening loan management and reflecting national economic activities. The classification standards of loan types are diversified, and there are different classification methods according to different standards. The selection of loan classification criteria should be based on the requirements of national economic management and bank credit management.
Classifying loan types from a macro perspective is helpful to analyze the proportional relationship between loans in different economic sectors, facilitate the specific implementation of national economic policies, especially industrial policies, rationally allocate social funds, and guide and promote the coordinated development of industrial structure. Classifying loan types from a microscopic perspective is helpful to strengthen enterprise management, enhance the ability to repay principal and interest, improve loan efficiency, and embody the three principles of loan effectiveness, safety and liquidity.