Bank U-turn business means that when a bank loan expires, you must repay the loan first, and then if the bank trusts you, it can lend you another loan.

The business of refinancing after repayment is commonly known as U-turn business.

"Image funds", commonly known as "living accounts", two parties: the banker and the borrower. The banker deposits the funds into an account agreed upon by both parties. This account is only used to prove the borrower's funds and may not be used for other purposes.

When the date agreed upon by both parties expires, the banker will take back the deposited funds.

Bridge loan, also known as bridging loan, means that after financial institution A obtains the loan project, it is unable to operate due to a temporary lack of funds, so it discusses with financial institution B and asks it to help release funds, and waits for the funds from financial institution A.

Once in place, B exits.

For B, this loan is a so-called bridge loan.

In our country, policy banks such as China Development Bank, Export-Import Bank, and Agricultural Development Bank of China play the role of financial institution A, while commercial banks play the role of financial institution B.

The so-called impulse deposits refer to bank loan officers temporarily soliciting deposits from depositors at the end of the month or year to cope with regulatory inspections on deposit requirements. It is understood that in order to attract depositors to make impulse deposits, banks will give depositors a certain percentage of rebates. This kind of

The maximum rebate in Hangzhou and surrounding areas is 5‰ per day on deposits, which is 365 times the annual interest rate of current deposits of 0.5%.

Sunshine deposit is actually a formal bank deposit, but its purpose and income are different from ordinary deposits.

Ordinary deposits just deposit funds in the bank and obtain the bank's deposit interest rate.

Sunshine deposits are designed to facilitate corporate loans, and their returns are much higher than ordinary deposits.

Agreement deposits are deposits of a certain period and above a certain amount that are handled by a bank and other institutional legal persons or legal person authorized institutions in accordance with the relevant regulations of the People's Bank of China and the China Banking Regulatory Commission by signing an agreement to agree on the deposit interest rate.

Commercial acceptance bills are accepted by payers other than banks.

Commercial acceptance bills are issued by the selling company or the purchasing company as agreed by both parties to the transaction, but are accepted by the purchasing company.

When the payee of a commercial acceptance bill receives a payment notice from the bank where the account is opened, he shall notify the bank for payment on the same day.

Bank acceptance bill is a type of commercial bill.

Refers to a note issued by a depositor who opens a deposit account at an accepting bank, applies to the bank where the account is opened, and is approved for acceptance by the bank, guaranteeing unconditional payment of a determined amount to the payee or holder on a specified date.

The acceptance of commercial bills issued by the drawer is the credit support given by the bank based on the recognition of the creditworthiness of the drawer.

Bank acceptance bills are sold at a discount.

The main investors in bank acceptances are money market mutual funds and municipal entities.

Its characteristics are: good credit, strong acceptance, high flexibility, and effective savings in capital costs.

The use of bank acceptance bills to finance commercial transactions is called acceptance financing.

Enterprise loan refers to a method of borrowing money from banks or other financial institutions according to specified interest rates and terms for the needs of production and operation.

Corporate loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation.

At present, corporate loans can be divided into: working capital loans, fixed asset loans, credit loans, guaranteed loans, stock pledge loans, foreign exchange pledge loans, unit time deposit certificate pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills

Discounting, discounting of commercial acceptance bills, discounting of buyer or agreement interest-paying bills, domestic factoring with recourse, and export tax refund account custody loans.

Home improvement loans, also called decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of home decoration, that is, unsecured credit loans.

In principle, the single loan amount of personal housing decoration loans issued by banks shall not exceed RMB 150,000, and shall not exceed 50% of the total cost of the decoration project.

There are currently two types of loans and one credit card installment form that you can apply for for home improvement loans. The details are as follows: 1. Apply for a personal credit loan for decoration; 2. Personal consumption loan for decoration loans.

The consumer loan here refers to a certified mortgage loan, that is, a consumer loan that is mortgaged and applied for using real estate.

; 3. Credit card home improvement installment; 4. Loans from consumer finance companies. In addition to the traditional route of bank loans, loans from consumer finance companies are also one of the options.

11. Project loan refers to a method of financing a specific engineering project. It is a form of international medium and long-term loans, and is the abbreviation of engineering project loan.

Due to inflation and the sharp increase in the cost of new large-scale engineering projects, investment risks are also increasing; in addition, some government or enterprise funds are occupied in ongoing engineering projects, which also makes them unable to carry out new large-scale projects.

In order to promote the construction of large-scale projects and explore new ways to use funds, some banks have established this kind of project loan business.

This kind of business is different from various traditional financing businesses. In addition to the project sponsor required for bank loans, a newly established project unit for the engineering project is also required to carry out financing, construction and operation and management.

One item.

This is also one of its characteristics.

12. Mortgage loan refers to a loan obtained from a bank by the borrower using certain collateral as collateral.