Inter-bank financial credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee for the compensation and payment responsibilities that customers may incur in relevant economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft, various advances, and bill acceptance, letter of credit issuance, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee and assets with recourse.

Supplementary information:

Inter-bank credit refers to the short-term financing with financial institutions with legal person status and branches of unincorporated financial institutions authorized by legal persons.

1. Credit extension refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee for the compensation and payment responsibilities that customers may incur in relevant economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft, various advances, and bill acceptance, letter of credit, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee and recourse. Simply put, credit extension 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.

2. Inter-bank credit refers to short-term financing with financial institutions with legal personality and branches of unincorporated financial institutions authorized by legal persons, which is mainly used for borrowing funds, in addition to bill purchase, discount and factoring lines with foreign banks.

3. Inter-bank credit can also be called (inter-bank credit). For financial institutions with legal personality, unincorporated financial institutions, other banks and customers, inter-bank customers, and retail customers, the simulation example is: inter-bank customers apply for a line of 1 million from Bank of Communications, and after the front-office handling, middle-office review, back-office approval and process are completed, 3% of the deposit fee will be deducted from 1 million. The remaining 7% credit line can be divided into: credit line segmentation, credit line adjustment, credit line increase and decrease, credit line freezing and unfreezing according to customers' different requirements, and can be divided into different credit lines, such as bills, peers, bonds, foreign exchange, etc. The main inter-bank credit line is the authorized credit line.