question 2: what is the meaning of exceeding the credit line? Credit refers to the behavior that banks directly provide financial support to customers or guarantee the credit of customers in relevant economic activities to third parties.
To establish a credit management system, we must first grasp three differences
1 Difference between credit granting and authorization
The most essential difference between credit granting and authorization is that they refer to different objects. The object of credit granting is bank customers, and the object of authorization is bank subordinate banks, but they are closely related. On the one hand, credit granting is subject to authorization. Generally speaking, the approval authority for the credit line of a single legal person should be combined with the approval authority for the total credit business of a single customer determined in the credit business authorization, which is also the interface between the credit management system and the authorization management system. On the other hand, credit can make up for the lack of authorization. The authorization authority is too large to control credit risk; The authorization authority is set small, the approval efficiency is low, and it is difficult to meet the large and frequent financing needs of high-quality customers. The implementation of credit management just makes up for this deficiency. In the case of small authorization authority, by verifying the credit line, the bank can only review the compliance of specific business applications when actually issuing credit within the credit line, thus solving the contradiction between the urgent needs of customers and the internal risk control requirements of the Agricultural Development Bank to a certain extent.
2 the difference between credit and loan
credit cannot be equated with loan. Credit granting is a general concept of risk control. Loans are loans made by banks or other credit institutions to borrowers, which must be repaid within a certain period of time and pay interest. Customers' demand for banks includes not only loans, but also bills and letters of credit. Credit extension includes on-balance-sheet and off-balance-sheet business of banks, and credit extension is also required when opening letters of credit.
3 differences between public credit and internal credit
there are two kinds of credit, one is internal risk control of banks and the other is internal credit. There is also public credit, or customer credit, which is the credit line that is told to customers within the internal control line or line. This part of the credit line can be made public to the outside, and it is very convenient to withdraw funds within this credit line for approval.
2 to establish a credit management system, strict credit approval procedures should be established.
agricultural development bank credit can be divided into basic credit and special credit. Basic credit refers to the credit line determined by commercial banks according to the national credit policy and the basic situation of each region and customer, such as grain circulation loans, agricultural industrialization leading loans, grain processing loans and other enterprise loans. Special credit refers to the credit granted by the Agricultural Development Bank to special projects and beyond the basic credit line according to national policies, changes in market conditions and special needs of customers. For example, reserve loans, regulatory loans, project loans and contract purchase loans can be granted special credit.
The approval procedure for granting credit to the Agricultural Development Bank can be divided into four steps:
(1) The trustee provides basic information to the bank
(2) The credit department evaluates the trustee and puts forward a preliminary plan for credit management;
(3) The loan review committee reviews and approves the credit line;
(4) after approval, a letter of credit is formed. The letter of credit is kept by the Agricultural Development Bank without meeting the customer.
The contents of the letter of credit include:
(1) the full name of the lender;
(2) full name of the trustee;
(3) the category, amount and duration of credit extension;
(4) credit review time;
(5) other contents that the lender thinks should be stipulated.
3. To establish a credit management system, we must strictly establish a vertical credit risk management system.
commercial banks have proved that the vertical management system of credit risk is more conducive to preventing and controlling credit risk. Agricultural Development Bank should do more research on establishing vertical management system of credit risk. At present, after institutional reform, Agricultural Development Bank has set up separate risk management departments and credit management departments. What needs to be done is to further study how to make subordinate institutions obey the management of risk management departments of higher institutions and strictly implement various credit risk management policies and systems. This is an important guarantee for establishing a credit management system.
4. To establish a credit management system, it is necessary to grasp the determination of credit line
Credit line refers to the total amount of risks that banks can and are willing to bear on the basis of comprehensive evaluation of the risks and financial conditions of customers to be granted credit and the financing risks of Agricultural Development Bank.
the agricultural development bank can first set the credit line for a single customer's single business, and then determine the total credit line for a single customer. The total credit line of a single customer is equal to the sum of the credit lines of individual businesses.
the maximum amount of the total credit line shall not exceed 75% of the total book assets of the trustee or 3 times of the owner's equity.
the total credit line of a single customer shall not exceed 1% of the total loan balance of the credit management bank.
The total credit line is based on mortgage and pledge ...... > >
question 3: what is the bank credit line? the comprehensive credit line refers to the stock management index of short-term credit business approved by commercial banks for customers. as long as the credit balance exceeds the corresponding business category index, the business department of commercial banks can provide short-term credit to customers quickly regardless of the cumulative amount and the number of times of issuance, that is, enterprises can conveniently recycle the short-term credit funds of banks, thus meeting customers' requirements for the rapidity and convenience of financial services.
question 4: what does the credit line of a credit card mean? Simply put, how much can you overdraw with this credit card?
Question 5: What does the credit line of China Mobile mean? It means that you don't stop when your mobile phone is in arrears. The credit line depends on your usual phone bill.
question 6: what is * * * credit line * * * credit line means that two or more credit cards and their accounts * * * enjoy the same credit line. When any card and account spend a certain amount, the available credit lines of these cards and accounts will be reduced accordingly.
question 7: what do credit and lending mean respectively? Simply put, it is the maximum amount of money that the bank can lend you! Specific: Credit line refers to the reusable credit granted by banks to borrowers within a certain amount and period, which is characterized by: 1. One-time credit, recycling, and repayment as needed. After a credit extension, it will be repaid as it is borrowed within the agreed time and amount; 2. Voucher loan has simple procedures. The borrower handles the credit business according to the credit contract, and the bank will not conduct credit investigation and approval again; 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 as stipulated in the credit contract. Lending is what the above person said, but there are still many details about the way, procedure and time of lending.
question 8: what does the bank's credit line mean? The credit line is the credit line given to you by the bank. For example, the credit line of your card is 5, yuan, which means that you can use this card to spend 5, yuan without depositing a penny in the card. This is a credit line set for you by the bank according to your personal credit status and repayment ability.
Question 9: What does credit mean? Is it related to credit? Simply put, before lending a loan to an enterprise, it is necessary to evaluate how much loan the enterprise can pay attention to. It is necessary to design appropriate credit products in combination with the actual operation of the enterprise
Question 1: What is the credit line? The credit line is the credit line given to you by the bank. For example, the credit line of your card is 5, yuan, which means that if you don't deposit a penny in the card, you will use this card to brush the consumption of 5, yuan. This is a credit line set for you by the bank according to your personal credit status and repayment ability. The credit limit of your student card is 5, which is the maximum overdraft limit. It's the total amount, not the monthly quota. If you want to installment, the total amount should be enough, such as 4, yuan for the computer. No matter how to installment, you still have to pay 4, yuan in the end, and your credit line is only 5, which is definitely not enough! Unless you put money into it every month. As for how much you pay back every month, it's normal that you pay back as much as you use, but some banks stipulate that you can pay back in installments, that is, for example, if you swipe your card for 5 this month, it allows you to pay back 5 on the maturity date, and the rest can be paid back slowly, but it is generally more expensive and uneconomical.