How do banks strengthen corporate business?

Learn more about corporate finance and bank credit policies. Public business requires a lot of individuals, and it is not as hard as other positions, but the pressure is also quite great.

The most basic departments in a bank are savings, accounting (company) and credit. Accounting can be said to be the backstage and service department of credit, and it is the deposit and loan business of units, which is a bit like the sales department of general companies. All business dealings between these units and banks are realized through the accounting department.

Risk analysis of loan business:

1. The commercial banks in China are not fully aware of the risks of bank loans. They pay too much attention to scale, but they don't fully understand the quality of assets.

2. The loan ratio is too high. Loans account for about 75% of bank assets, and generally do not exceed 50% abroad;

3. The loan concentration is too high. The loans of China's commercial banks are mainly concentrated in big cities, large projects, large enterprises, or listed companies and monopoly enterprises. In this way, many banks chase after a company and a project. The concentration of assets means the accumulation of risks.

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