Complete list of loan types
The names of loan types are as follows:
1. Self-operated loans, entrusted loans and specific loans.
1. Self-operated loans refer to loans issued independently with funds raised by the lender in a legal manner. The risks are borne by the lender and the principal and interest are recovered by the lender.
2. Entrusted loans refer to funds provided by clients such as government departments, enterprises, institutions, and individuals, and the loan objects, purposes, amounts, and terms are determined by the lender (i.e., the trustee) based on the client. , interest rates, etc. are issued on behalf of, supervise the use and assist in the recovery of loans.
3. The lender (trustee) only charges handling fees and does not bear loan risks.
4. Specific loans refer to loans issued by state-owned commercial banks upon approval by the State Council and taking corresponding remedial measures for possible losses caused by the loans.
2. Short-term loans, medium-term loans and long-term loans. Short-term loans.
1. Refers to loans with a loan term within one year (including one year).
2. Medium-term loans refer to loans with a term of more than one year (exclusive) and less than five years (inclusive).
3. Long-term loans refer to loans with a loan term of more than five years (excluding five years).
3. Credit loans, guaranteed loans and bill discounting. Credit loan refers to a loan extended based on the creditworthiness of the borrower.
1. Guaranteed loans refer to guaranteed loans and mortgage loans.
2. Guaranteed loan refers to the guarantee method stipulated in the "Guarantee Law of the People's Republic of China" and a third party's promise to assume the general guarantee liability as agreed when the borrower cannot repay the loan or Loans extended with joint liability.
3. Mortgage loans refer to loans issued with the property of the borrower or a third party as collateral in accordance with the mortgage method stipulated in the "Guarantee Law of the People's Republic of China".
4. Refers to a loan issued with the movable property or rights of the borrower or a third party as pledge in accordance with the pledge method stipulated in the "Guarantee Law of the People's Republic of China".
5. Bill discount refers to the loan issued by the lender by purchasing the borrower's unexpired commercial paper.
Complete detailed information on bank borrowings
Bank borrowings are funds borrowed from banks. Some of the bank loans of state-owned enterprises in our country are used as working capital, such as fixed-amount loans, excess-amount loans, and settlement loans of industrial enterprises, commodity circulation loans of commercial enterprises, and agricultural and sideline product pre-purchase deposit loans; some are used to carry out small-scale technical measures. , such as small technical loan and industrial technical loan of industrial enterprises; some are used for capital construction and special fund projects, such as infrastructure loan and overhaul loan. Bank borrowings should be materially guaranteed, used according to specified purposes, returned on time, and paid with interest. Bank deposits can be accounted for in the "bank borrowing" account. When borrowing, the account is credited (or added). When it is returned, the account is debited (or subtracted), and the balance represents the outstanding balance. Bank borrowings can also set up general ledger accounts such as "infrastructure borrowings", "working capital borrowings", and "special borrowings" according to their uses.
Basic introduction
Chinese name: Bank loan Foreign name: Bankloan Affiliation: Borrowing requirements: Period of repayment of principal and interest: Concepts of long-term loans of more than 1 year and short-term loans of less than 1 year, Classification, protective clauses, concept The concept of bank borrowing: Bank borrowing refers to the amount borrowed by an enterprise from a bank or other non-bank financial institution and required to repay principal and interest, including long-term borrowing with a repayment period of more than 1 year and less than 1 year. Short-term borrowings are mainly used by enterprises to purchase and construct fixed assets and meet current needs. Classification Classification of bank borrowings: 1. According to the institutions that provide loans, they are divided into policy bank loans, commercial bank loans and loans from other financial institutions. Policy bank loans refer to loans issued to enterprises by banks that implement national policy loan business. Usually for long-term loans.
For example, loans from the China Development Bank mainly meet the funding needs of enterprises to undertake national key construction projects; loans from the Export-Import Credit Bank of China mainly provide buyer's credit or seller's credit for the import and export of large equipment; loans from the Agricultural Development Bank of China are mainly used to ensure The state provides funds for policy purchases of grain, cotton, oil, etc. Commercial bank loans refer to loans provided by commercial banks, such as Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, etc., to industrial and commercial enterprises to meet the capital needs of enterprises for production and operation, including short-term loans and long-term loans. loan. Loans from other financial institutions, such as trust investment loans in physical or monetary form from trust investment companies, various medium and long-term loans from finance companies, loans from insurance companies, etc. Loans from other financial institutions generally have longer terms than loans from commercial banks, require higher interest rates, and have stricter credit requirements and guarantee selection for borrowing companies. 2. According to whether the institution has guarantee requirements for the loan, it is divided into credit loans and guaranteed loans. Credit loans refer to loans obtained based on the creditworthiness of the borrower or the credit of the guarantor. Businesses do not need to use property as collateral to obtain this type of loan. For this kind of loan, due to the higher risk, banks usually charge higher interest rates and often impose certain restrictions. A secured loan refers to a loan obtained by providing guarantee by the borrower or a third party in accordance with the law. Guarantees include guarantee liabilities, financial mortgages, and property pledges. Therefore, guaranteed loans include guaranteed loans, mortgage loans, and loan guarantees. A guaranteed loan refers to a loan obtained in accordance with the guarantee method stipulated in the "Guarantee Law" and with a third party as the guarantor promising to assume certain guarantee liabilities or joint liabilities as agreed when the borrower is unable to repay the loan. A mortgage loan refers to a loan obtained by using the property of the borrower or a third party as collateral according to the mortgage method stipulated in the "Security Law". Mortgage means that the debtor or a third party does not transfer the possession of the property and uses the property as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the property or use the auction or sale price to receive priority payment. Collateral as a loan guarantee can be physical assets such as real estate, machinery and equipment, transportation vehicles, land use rights that have the right to dispose of according to law, or securities such as stocks and bonds, which must be realizable. assets. If the loan expires and the borrowing company cannot survive and is unwilling to repay the loan, the bank can foreclose on the mortgage. Mortgage loans can help reduce the risk of bank loans and improve loan security. It refers to a loan obtained by using the movable property or property rights of the borrower or a third party as pledge according to the pledge method stipulated in the "Security Law". Pledge means that the debtor or a third party hands over its movables or property rights to the creditor for possession, and uses the movables or financial rights as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to use the movables or property rights at a discount or to auction or sell them. The price will be paid first. The collateral used as loan guarantee can be credit certificates such as bills of exchange, checks, bonds, deposit slips, bills of lading, etc. It can be legally transferable shares, stocks and other securities, or it can be legally transferable trademark rights and patent rights. , property rights in copyright, etc. 3. According to the purpose of the loan obtained by the enterprise, it is divided into capital construction loan, special loan and working capital loan. Capital construction loan refers to the amount of money that the enterprise applies to borrow from the bank because it needs funds to engage in new construction, reconstruction, expansion and other capital construction projects. Special loans refer to funds that enterprises apply to borrow from banks for special purposes, including renovation and technological transformation loans, overhaul loans, R&D and new product development loans, small technical measure loans, export special loans, and introduced technology transfer fee working capital loans. , foreign exchange loans for imported equipment, RMB loans for imported equipment and domestic supporting equipment loans, etc. Working capital loan refers to the amount of money that an enterprise applies to borrow from a bank to meet its working capital needs, including working fund borrowing, production turnover borrowing, temporary borrowing, settlement borrowing and seller's credit. Protective clauses Routine protective clauses: This type of clause appears in most loan contracts as a routine matter.
Mainly include: ① requiring regular submission of financial statements to financial institutions that provide loans, so that creditors can keep track of the company's financial status and operating results; ② prohibiting the sale of large amounts of non-finished goods inventory under normal circumstances to maintain normal production of the company Operating ability; ③ Pay taxes and other due debts on time to prevent unnecessary cash losses caused by fines; ④ Assets are not allowed to be used as guarantees or mortgages for other commitments; ⑤ Discounting notes receivable or selling receivables is not allowed Collect accounts to avoid contingent liabilities, etc. General protection clauses: These are requirements for the liquidity and solvency of corporate assets, etc. This type of clause applies to most loan contracts. Mainly include: ①Maintain the liquidity of the company's assets. Enterprises are required to hold a certain minimum amount of monetary funds and other current assets to maintain the liquidity and solvency of the enterprise's assets. It generally stipulates the minimum amount of working capital and the minimum current ratio value that the enterprise must maintain. ② Limit corporate non-operating expenses. Such as limiting the amount of cash dividends paid, stock purchases and employee salary increases to reduce excessive outflows of corporate funds. ③ Limit the scale of corporate capital expenditures. Control the proportion of long-term assets in the company's asset structure to reduce the possibility that the company will have to sell off fixed assets in the future to repay loans. ④ Limit the scale of further borrowing by the company. The purpose is to prevent other creditors from obtaining priority claims on the company's assets. ⑤Restrict the company’s long-term investment. For example, it is stipulated that companies are not allowed to invest in projects that cannot recover funds in the short term, and cannot merge with other companies without the consent of creditors such as banks. Summary of general protection clauses - "One guarantee and four limits" Special protection clauses: This type of clause is a clause that appears in some loan contracts for special circumstances. It can only take effect under special circumstances. It mainly includes: requiring the company's main leaders to People purchase personal insurance; the purpose of the loan cannot be changed; penalty clauses for breach of contract, etc.
Must collect! A complete list of the top ten bank credit card loan platforms in 2018
Credit cards are just a consumption payment tool for many people. In fact, in addition to swiping cards and installments, they can also be of great help when you are in need of money. Many banks now offer credit card installment loans. As long as you hold a credit card from that bank and have good credit and use the card frequently, you can easily apply for a credit card loan. Today we have taken stock of 10 bank credit card loan platforms. Hurry up and see if you have an entrance. ?
1. Bank of Communications Haoxiangdai
Haoxiangdai is a flagship product of Bank of Communications. The consumption limit provided in addition to the credit card limit of Bank of Communications can be repaid in installments.
Application portal: Bank of Communications Online Banking-Mobile Banking-Telephone Customer Service can apply. 2. China CITIC Bank’s new fast cash bank cash installment product is to transfer the credit card limit to cash directly to the debit card. After consumption, the amount will be paid back to the credit card in installments.
Application process: Yuanmengjin-online banking, mobile app application (CITIC Bank has a temporary quota, which can be 100% successful, and there is no temporary telephone customer service application) 3. China Merchants Bank E loan application process: China Merchants Bank Reserve fund - China Merchants Bank cash installment - E loan, application channel - China Merchants Bank mobile life app, if there is no entrance, it means that you cannot apply for the time being.
4. Shanghai Pudong Development Bank Universal Gold
Application process: Pudong Development Bank mobile banking, Pudong Development WeChat official account, online banking, telephone customer service, you can apply, and the payment speed is very fast!
5. Guangfa Bank Caizhijin
Application process: mobile banking, online banking, if there is a window after logging in, you can sign the contract directly.
6. Everbright Bank Xixin Loan
Application process: Online banking application, mobile banking app - Among personal loans, China Everbright Bank has a relatively high success rate in salary distribution.
7. Hua Xia Bank Express Gold
Application process: Online banking, WeChat official account, and mobile banking can apply.
8. Bank of China E-loan
Application process: High-quality Bank of China customers - apply for the Bank of China E-loan app, invitations are open.
9. Industrial and Commercial Bank of China consumer loan
Application process: Online banking-ICBC consumer loan, high-quality ICBC customers or customers with business relationships with ICBC.
10. Agricultural Bank of China Kajie Loan
Application process: Online banking, Personal Services-Loans-Special Loans-Kajie Loan, Agricultural Bank of China’s high-quality customers, you need an Agricultural Bank of China savings card to apply.
A complete list of must-follow online loan platforms in 2019: Try these ones that are easy to make money!
For people who are in urgent need of money, an online loan platform with low threshold and fast disbursement is very important. It can quickly solve the funding problem. You must know more about the background of the platform before applying. Here is a brief introduction Introducing a few platforms that are relatively easy to place money on.
1. Xiaomi Loan
Xiaomi Loan is a product of Xiaomi Company and is a personal credit loan. Xiaomi uses big data to check the credit of Xiaomi mobile phone users and provide specific credit limits. The minimum amount of a single loan is 100 yuan, and the loan is expected to arrive within 10 minutes. However, if a borrower wants to borrow money from Xiaomi Loan, he or she must have a Xiaomi mobile phone and a Xiaomi account.
2. China Merchants Bank Flash Loan
China Merchants Bank Flash Loan is a mobile Internet loan product of China Merchants Bank. Users can apply for loans, review and approve them by themselves through China Merchants Bank’s mobile banking APP or online banking. The entire process of contract signing and loan disbursement is automated. However, the interest rate of CMB flash loan is said to be relatively high, and it is a whitelist invitation system. Even if you are a CMB customer, you may not be qualified for credit.
3. MaMa Finance
MaMa Finance is a loan platform with a consumer finance license, jointly sponsored by a number of listed companies and financial institutions. In addition to Ant Borrowing and Weilidai, Mamo Finance can also provide you with a good loan experience.
Basic information: The loan limit can reach 200,000 yuan, and it can be borrowed and repaid in installments without any mortgage or guarantee. The daily interest rate can be as low as, Baidu has money to spend
Baidu Youqianhua is Baidu’s online lending platform and an old rival of Ant Jiebei and Weilidai. Although Baidu Youqianhua is not as well-known as Ant Jiebei and Weilidai, its service level is certainly not bad.
Basic information: The loan amount is within 200,000 yuan, and the approval can be completed in 30 seconds and the loan can be issued in 3 minutes. Adults under 55 years old can apply.