Major shareholder Wang Qiming, senior executives Wang Qiming and Zhu Yunsen.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Simply put, it is borrowing money with interest. According to different repayment periods, loans can be divided into short-term loans, medium-term loans and long-term loans; According to different repayment methods, loans can be divided into demand loans, term loans and overdrafts.
The loan term refers to the period from the effective date of the loan contract to the last loan principal or interest payment date. The loan term is generally proposed by the borrower, determined after consultation with the bank, and included in the loan contract.
What is the principle of loan?
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
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, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.