Self-operated loans refer to loans issued by lenders (including commercial banks, individuals or companies). After receiving the borrower's loan application, raise enough funds through legal means and then distribute them independently. The risk shall be borne by the lender, and the principal and interest shall be recovered by the lender. Generally, the longest term of self-operated loans shall not exceed 10 years, and those that exceed shall be reported to the People's Bank of China for the record. The types of loans granted by most commercial banks are mainly self-operated loans.

Self-operated loans should recover the loan principal and interest by themselves, and all risks should be borne by themselves. The risks of self-operated loans are mainly manifested in three aspects: how to repay, how long to repay, and not to repay.

classify

There are three kinds of self-operated loans: working capital loans, fixed assets loans and closed loans.

1. working capital loan

Working capital loans are generally loans used by enterprises for insufficient working capital in the process of circular production and operation. It is characterized by strong liquidity and fast cycle. There are two forms of working capital loan: single loan and line loan. The loan term is divided into short-term and medium-term, with the short-term being within 1 year and the medium-term being 1-3 years.

2. Fixed assets loans

Fixed assets loan is a loan issued to solve the capital demand of fixed assets investment projects of enterprises. Medium and long-term loans mainly used for the construction, expansion, transformation, development and purchase of fixed assets investment projects. It is characterized by long cycle and installment repayment.

3. Closed loans

Closed loan refers to a loan that provides special financial support for a project or product of an enterprise and closes the operation of the project. Closed loans are subject to quota management. Its characteristics are earmarking and closed management.

Second, what is the bank's self-operated business?

Banks in the United States are generally comprehensive banks. Apart from ordinary deposit and loan business, they also carry out securities, foreign exchange and futures insurance as well as very developed financial derivatives transactions.

Compared with the proprietary business carried out by banks, insurance companies, securities companies, fund companies, trust companies and corporate finance companies in China, the proprietary business of American banks is relatively wide in business services and varieties, and it is difficult to supervise, so the merger and acquisition of banks and the proprietary business of banks are restricted.

3. What is a bank loan?

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account. According to different classification standards, there are many types of bank loans. For example, 1 can be divided into short-term loans, medium-term loans and long-term loans according to different repayment periods; 2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts; 3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ; 4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan. 5. According to the loan scale, it can be divided into wholesale loans and retail loans; 6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on. In the General Rules for Loans 1996 issued by the People's Bank of China in June, loans are classified as follows: (1) self-operated loans, entrusted loans and specific loans. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender. Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned commercial banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans. (2) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years). (3) Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued by the borrower's credit. Secured loan refers to secured loan, mortgage loan, and secured loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), which promises the borrower to assume general guarantee liability or joint liability as agreed. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). , refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.

4. What is a self-operated loan?

Self-operated loans refer to loans issued by lenders (including commercial banks, individuals or companies). After receiving the borrower's loan application, raise enough funds through legal means and then distribute them independently. The risk shall be borne by the lender, and the principal and interest shall be recovered by the lender. Generally, the longest term of self-operated loans shall not exceed 10 years, and those that exceed shall be reported to the People's Bank of China for the record. The types of loans granted by most commercial banks are mainly self-operated loans.

Self-operated loans should recover the loan principal and interest by themselves, and all risks should be borne by themselves. The risks of self-operated loans are mainly manifested in three aspects: how to repay, how long to repay, and not to repay.

classify

There are three kinds of self-operated loans: working capital loans, fixed assets loans and closed loans.

1. working capital loan

Working capital loans are generally loans used by enterprises for insufficient working capital in the process of circular production and operation. It is characterized by strong liquidity and fast cycle. There are two forms of working capital loan: single loan and line loan. The loan term is divided into short-term and medium-term, with the short-term being within 1 year and the medium-term being 1-3 years.

2. Fixed assets loans

Fixed assets loan is a loan issued to solve the capital demand of fixed assets investment projects of enterprises. Medium and long-term loans mainly used for the construction, expansion, transformation, development and purchase of fixed assets investment projects. It is characterized by long cycle and installment repayment.

3. Closed loans

Closed loan refers to a loan that provides special financial support for a project or product of an enterprise and closes the operation of the project. Closed loans are subject to quota management. Its characteristics are earmarking and closed management.