The loan balance refers to the total loan that the borrower has not returned to the lender before a certain node date. Let me explain how to check the balance of ICBC loans, hoping to help you.

How to inquire about ICBC loan balance

1, ICBC outlets, bring your ICBC card or passbook to nearby outlets, and ask the counter staff to help you check the account balance.

2. Any bank self-service inquiry equipment terminal (ATM, self-service terminal) can realize ICBC balance inquiry by inserting ICBC card or passbook.

3. ICBC online banking: bring my valid certificate to ICBC outlets, ask staff to open ICBC online banking, and then log in to ICBC online banking to realize balance inquiry. The inquiry method is to log in to ICBC official website and enter the password for inquiry.

4. China Industrial and Commercial Bank Telephone Banking/Mobile Banking. You can call ICBC customer service number 95588 and ask the staff how to inquire about the available balance of ICBC.

5. ICBC 95588 SMS reminder service, and open ICBC card balance change reminder at ICBC outlets;

6. Bank statement. If it is an ICBC credit card, you can use the ICBC electronic statement or paper statement to check the balance on the ICBC card.

Basic concept of loan balance

The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period. It means the total amount of loans or financing borrowed by enterprises from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan.

Inventory ratio of loan balance

Loan-to-deposit ratio is one of the assessment indicators of banks, that is, the ratio of loan balance to deposit balance cannot exceed 75%, otherwise it is illegal and there will be great risks. The sum of deposit balance and loan balance is the total deposit, deposit balance is the indicator of liabilities, and loan balance is the indicator of assets.

The loan balance exceeded 4 trillion yuan for the first time.

According to the latest information released by the Shanghai Headquarters of the People's Bank of China, since 20 12, the monetary and credit operations in Shanghai have been generally stable, with deposits increasing more than the same period last year and loans growing steadily. At the end of September, the loan balance exceeded 4 trillion yuan for the first time, and the credit structure was further optimized.

At the end of September, the balance of various deposits in Shanghai was 6,270.7 billion yuan, a year-on-year increase of 1 1.3%, and the growth rate was 1 percentage point lower than that at the end of last year. The balance of various loans was 4 billion yuan/kloc-0.86 billion yuan, up 9.3% year-on-year, and the growth rate was 1 percentage point lower than that at the end of last year. In the first three quarters, the city's personal deposits increased by 226.86 billion yuan, an increase of 54.34 billion yuan year-on-year, accounting for 50. 1% of the city's deposits, accounting for an increase of 12 percentage points year-on-year. RMB loans increased by 268.53 billion yuan, a year-on-year decrease of 6.8 billion yuan. Short-term and principal loans increased by 1 136 1 100 million yuan, with a year-on-year decrease of13.72 billion yuan. This medium-and long-term loan only increased by 66.6 billion yuan, a year-on-year decrease of 90 billion yuan.

In the first three quarters, the city increased personal consumption loans by 27.39 billion yuan, a year-on-year decrease of 654.38+0.624 billion yuan, of which personal housing loans increased by 965.438+0.2 billion yuan, a year-on-year decrease of 654.38+0.344 billion yuan.

Inventory change range of loan balance

65,438+0. According to the types of corporate deposits, our company's demand deposits and agreement deposits decreased by10022 billion yuan and 73.96 billion yuan respectively in the first three quarters, which decreased by 50.73 billion yuan and increased by 93.02 billion yuan respectively. Time deposits, call deposits and structured deposits increased by 654.38+072.82 billion yuan, 69.77 billion yuan and 50.54 billion yuan respectively, up by 8.98 billion yuan, 56.03 billion yuan and 8.75 billion yuan respectively. At the end of September, unit demand deposits only accounted for 30.3% of the total balance of unit deposits, down 4.3 percentage points from the beginning of the year, and the trend of unit deposits was obvious.

2. In terms of currency, in the first three quarters, personal RMB deposits in the city increased by 22 1.84 billion yuan, an increase of 49.38 billion yuan over the same period of last year; Personal foreign exchange deposits increased by $720 million, an increase of $270 million year-on-year.

3. According to the types of personal deposits, time deposits and structured deposits increased by1510.20 billion yuan and 3.710.40 billion yuan respectively, increasing by 45.93 billion yuan and decreasing by100/kloc-0.00 billion yuan respectively. Demand deposits increased by 36.865438 billion yuan, up by 65.438+0.710.20 billion yuan year-on-year.

The balance of consumer loans is more than loans.

The loan amount refers to the total amount of bank loans, and its amount will not change. However, as the borrower repays on schedule within the repayment period, its amount will change constantly.

I. Basic concepts

The loan balance refers to the total loan that the borrower has not returned to the lender before a certain node date. Also refers to the outstanding loans at the end of the accounting period. The outstanding loan balance is equal to the total loan minus the repaid bank loan.

Second, the calculation formula

Loan balance of short-term loans or long-term loans = loan balance of the previous period-credit amount (financing increase)-debit amount (loan repayment amount).

Third, the query method

The first type: the lender can personally go to the loan department of the loan bank outlet with his ID card. One of the biggest benefits of this is that the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.

The second type: query through online banking. Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the simplest. Through online banking, you can not only query the loan balance, but also query the repayment records and other information.

The third type: through the bank customer service telephone inquiry. Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.

The balance of consumer loan funds of Minsheng Bank cannot be transferred.

Consumer loans cannot be transferred because the funds of consumer loans must be earmarked, that is, they can only be consumed by credit cards, and withdrawal and transfer are not allowed.

When the user transfers the loan funds directly, the bank will soon find that the user uses the loan funds illegally, so that the bank can ask the user to pay off all the loans at one time, resulting in the unused loan funds being unusable.

Moreover, once the funds of consumer loans can be transferred, banks cannot track whether the funds are used in compliance, which has caused certain hidden dangers to the financial market.

Consumer loans are also called "consumer loans". Loans to consumers for purchasing durable consumer goods or paying various fees. For a long time, commercial banks mainly provide loans to industrial and commercial enterprises or other institutions and groups, and generally do not provide subsidies for personal consumption expenditures. After World War II, commercial banks began to carry out consumer loans on a large scale.

The main reasons are:

1. The competition in the financial industry is becoming more and more fierce. In order to seek development, commercial banks need to explore new business areas.

2. After the war, the economic development in the western region was relatively stable, and individuals had relatively reliable monetary income.

3. With the emergence of more and more credit reporting agencies, banks can know the credit status of borrowers at a lower cost and ensure the safety of loans.

In order to avoid the influence of general loan inflation, residents in western countries are also willing to use consumer loans. The rapid development of consumer loans has played an important role in promoting the development of products and production.

Consumer loans are divided into different types according to different standards. From the perspective of repayment period, it can be divided into one-time repayment and multiple repayment; Judging from the lending relationship between banks and consumers, it can be divided into direct loans and indirect loans; According to the purpose of the loan, it is divided into automobile loan, residential loan, residential improvement or repair loan, education and study loan, small living loan, holiday and tourism loan, etc.

Application process

1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.

2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with China Construction Bank.

3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The Construction Bank will transfer the loan funds into the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower owes the loan, the available amount will be deducted accordingly, and after the borrower repays the loan principal, the available amount will be increased accordingly.

5. Before the expiration of the credit line, the borrower shall pay off all the loan principal and interest under the credit line, and go through the formalities of mortgage and pledge registration cancellation at the Construction Bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the Construction Bank will be automatically terminated.

How to transfer the balance of consumer loans of Minsheng Bank into its own funds?

Click directly to transfer in. The balance of consumer loans of Minsheng Bank can be directly transferred to its own funds. China Minsheng Bank was formally established in June, 2002 1996 65438+ 10/2. It is the first national joint-stock commercial bank in China with non-public enterprises as the main investors.