What do you mean, the credit is still under review? It's very simple. The credit approval has not been approved.
Generally speaking, it is divided into three stages: credit application, credit review and credit approval. Literally, it may still be in the second or third stage.
Do credit and credit reporting mean the same thing? Credit information generally refers to your credit information report, which is extracted by the credit information system of the People's Bank of China. Its main significance is the various credit relationships that have been generated for your bank, such as your credit card situation, your bank loan and your external guarantee.
Credit is a credit line for natural persons or enterprise legal persons (that is, enterprises). Generally speaking, credit granted by natural person refers to the loan amount, and credit granted by legal person includes: loan, bank draft amount and other amount (trade financing amount, such as factoring, letter of guarantee and forfaiting). Upstairs has certain limitations.
What do you mean by commercial ticket credit? For example, ICBC, every bank has a credit line every year. When the quota is used up, it will be gone. Some banks don't have credit lines. For example, the credit line of ICBC to Shanghai Bank in this year's credit statement is 500 million yuan, and you can discount it with the ticket of Shanghai Bank10 million yuan, no problem. Then the industrial and commercial credit table only has the 400 million limit of Shanghai Bank. Then the next time someone is discounting the ticket of 500 million Shanghai Bank, he will charge 400 million at most. That's what it means. For example, ICBC has no credit to Jining Bank, and whoever discounts Jining Bank's tickets will not accept it! That's what it means!
What's the difference between a credit and a credit and recycling? The former means to give you a total amount of quota, and you can arrange it in batches without using it all at once. After repayment, you can no longer lend freely, and you need to re-credit.
The latter means that the returned loan principal can be lent out at any time, unlimited times, within the validity period of the credit after the credit is completed.
What do you mean by company credit? Corporate credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including loans, trade financing, bill financing, financial leasing, overdraft, various advances, bill acceptance, letters of credit, letters of guarantee, standby letters of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and other on-balance-sheet businesses. According to the Guidelines for Due Diligence in Credit Granting of Commercial Banks, credit granting refers to off-balance-sheet and off-balance-sheet credit granting to non-natural customers. On-balance-sheet credit includes loans, project financing, trade financing, discount, overdraft, factoring, borrowing and repurchase. Off-balance sheet credit includes loan commitment, guarantee, letter of credit, bill acceptance, etc. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to the credit granted within one year, and long-term credit refers to the credit granted for more than one year. View original post >>
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What do you mean by crediting others? As a senior account manager of CreditEase in Wuhan, CreditEase's problem in Wuhan is very simple. You can call me if you want to borrow anything.
Similarities and differences between open unified credit and internal unified credit The difference between open unified credit and internal unified credit.
Open and unified credit management and internal unified credit management have different characteristics and requirements in terms of quota verification, examination and approval authority, legal effect and credit use. The specific differences are as follows:
(1) The starting point of the maximum comprehensive credit line is different. On the basis of effective risk prevention, open and unified credit granting, within the maximum comprehensive credit line, according to the credit demand of outstanding customers, simplify the approval procedures and links to facilitate their use of bank credit. C Internal unified credit extension pays more attention to risk prevention, mainly by checking the maximum risk limit of ordinary customers in the bank, limiting and eliminating customers, mainly by controlling the overall risk of individual customers, and gradually compressing the existing credit line exceeding the limit to meet the specified requirements.
(2) The examination and approval management is different. Open and unified credit granting must be reviewed by the loan review committee with the power of examination and approval, and then approved by the president or the vice president authorized by the president; Internal unified credit can only be approved by the bank credit department with approval authority.
(3) The legal effect is different. Open and unified credit granting is to sign a legally binding agreement with customers on the basis of effective guarantee, stipulating the rights and obligations of both parties. What is the maximum amount approved by the bank for customers in internal unified credit granting? Only control the monitoring indicators, and do not meet with customers. It is only applicable to internal examination and approval management and has no legal effect.
(4) There are different provisions on the specific use of credit. When handling specific credit business, the handling bank can only examine and approve one by one within the maximum comprehensive credit line and authorized scope of the customer, and those exceeding the authority must be reported to the superior bank for examination and approval. According to the new credit management regulations of Agricultural Bank of China, the approval authority and process of corporate credit are the same as those of credit business with the same amount. For the customer's credit demand within the maximum comprehensive credit line, except for medium-term working capital, project loan, 65,438+080-day forward letter of credit and guarantee business, it can only be used after being submitted for approval in accordance with the corresponding business management regulations. Other credit methods shall be examined and approved by the opening bank, and credit exceeding a single authorization shall be reported to the credit department of the authorized examination and approval bank for filing. In internal unified credit granting, the customer's credit demand within the maximum credit line is examined and approved by the bank one by one according to the requirements of bank authority management and corresponding business management system.
Credit City Merchants Credit Sannong Finance Company. What do you mean by previous credit? Credit is the loan amount approved by commercial banks to non-financial institutions.
What credit business credit period credit business credit business-the bank gives customers a credit line according to their basic situation, and customers can handle loans, acceptance and other businesses within this line.
Credit is giving, and letter is credit.