Liabilities to customers are the funds deposited by individuals and enterprises in banks and the main source of funds for commercial banks;
Interbank lending is a loan that commercial banks borrow from other financial institutions to cope with the short-term shortage of funds, with a short term and a small proportion.
I. Various deposits
1. Company deposits
2. Savings deposits of urban residents
3. Agricultural deposits
4. Trust deposits
5. Other deposits (excluding the above)
Second, bond financing.
1. Issue financial bonds
2. National investment bonds
3. Selling repurchase bonds
Three. Borrow from the central bank
Four. Interbank lending and interbank deposits
Verb (abbreviation for verb) deposits on behalf of others.
1. Agency financial deposit
2. Entrusted deposits and entrusted investment funds
3. Financial institutions entrust loan funds.
6. Owners' equity refers to the capital invested by investors in commercial banks. Divided into RMB loans and foreign exchange loans by currency.
According to the purpose, it is divided into working capital loans and fixed assets loans. The former includes revolving loans, temporary loans and discounted bills, while the latter includes technology issuance loans, capital construction loans and technology development loans.
It is divided into short-term loans and long-term loans according to the term. Short-term loans 1 year, medium-term loans 1 year or more (excluding 1 year) but less than 5 years (including 5 years), and long-term loans for more than 5 years (excluding 5 years).
It is divided into industrial loans, commercial loans, agricultural loans and foreign trade loans according to economic sectors.
According to the loan method, it is divided into credit loan, secured loan and bill discount, and secured loan is divided into three types: secured loan, mortgage loan and pledge loan.
According to the loan object, it is divided into wholesale loans and retail loans.
According to the nature of loan use, it can be divided into foreign trade loans, real estate loans and entrusted loans. ...
According to the different repayment methods, it can be divided into demand loans, term loans and overdrafts.
According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.
In1June, 1996, the people's bank of China promulgated the general principles of loans, and the classification of loans is as follows.
I. Self-operated loans, entrusted loans and special loans.
(1) Self-operated loan refers to a loan that is independently issued with the funds raised by the lender in a legal way, with the risks borne by the lender and the principal and interest recovered by the lender.
(2) Entrusted loans refer to loans provided by government departments, enterprises, institutions, individuals and other principals, which are issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only collects the handling fee and does not bear the loan risk.
(3) Special loans refer to loans granted by wholly state-owned commercial banks after taking corresponding remedial measures for possible losses caused by loans with the approval of the State Council.
Short-term loans, medium-term loans and long-term loans.
(1) Short-term loans refer to loans with a term of less than one year (including one year).
(2) 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).
(3) Long-term loans refer to loans with a loan term of more than five years.
Credit loans, secured loans and bill discounting.
(1) Credit loan refers to the loan issued by the borrower's credit.
(2) Secured loans refer to secured loans, mortgage loans and pledged loans.
A. Guaranteed 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 that the borrower shall bear general guarantee liability or joint liability as agreed.
B. Mortgage loan refers to the loan granted 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).
C. Pledged loan refers to a loan in the form of pledge stipulated in the Guarantee Law of People's Republic of China (PRC), with the movable property or rights of the borrower or a third party as the pledge.
(3) Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper. Except for natural persons and institutions that do not need to be approved and registered by the industrial and commercial department, the borrower shall go through the annual inspection formalities in the industrial and commercial department with a business license.
Hold a loan certificate/card issued by the local people's bank within the validity period.
The borrower opens a basic account or general deposit account in our bank, and maintains a certain deposit and settlement business in our bank in proportion to the loan; If the loan amount of our bank accounts for a large proportion of its total loan amount, we should open a basic settlement account with our bank.
The borrower has the ability to repay the principal and interest on schedule, and the principal and interest of the due loan have been fully paid off; If there is no repayment, a repayment plan approved by our bank has been made.
To apply for medium-and long-term loans, the proportion of the legal person owner's equity of the newly-built project enterprise to the total investment required for the project shall not be lower than the proportion stipulated by the state.
The borrower can truthfully provide the information required by our bank, accept our review and supervision on the use of credit funds and related production, operation and financial activities, implement relevant loan conditions, and use the loan according to the purpose and schedule agreed in the loan contract.
The borrower's financial and credit status and management meet the requirements of the bank. Enterprises apply and submit relevant documents.
The bank conducts an investigation and completes the loan investigation report.
Banks conduct internal review, inspection and approval of loans.
Sign a loan contract and go through relevant mortgage and notarization procedures.
Use the money according to the contract and pay interest.
After the loan is issued, the bank shall inspect and supervise the loan use and mortgage of the enterprise. Repayment or deferred repayment.