What are the types of loan business?

What are the three main types of loans?

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Microfinance review risk

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.

Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Legal content of pre-loan investigation

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Loan classification

There are the following:

1. Self-financing loan refers to a loan in which the lender raises funds legally, the risk is borne by the lender, and the principal and interest are 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 lenders according to the loan object, purpose, amount, term and interest rate determined by the principals. General Rules for Loans in People's Republic of China (PRC) Article 3 The issuance and use of loans shall conform to the laws and administrative regulations of the state and the management regulations of the People's Bank of China, and follow the principles of efficiency, safety and liquidity.

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

According to the classification of loan methods, what kinds of loans are there?

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts.

3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the different loan amount, it can be divided into wholesale loans and retail loans.

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.

Extended data:

Matters needing attention in personal loans are:

1. Moderate loan: When individuals apply for loans, they must fully consider the financial situation of individuals and families. Generally, the monthly repayment amount should not exceed 50% of the family's total monthly income.

2. Choose the right loan product: individuals need to choose the right loan type, loan term and repayment method according to their own situation.

3. Maintain good personal credit: individuals need to maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be refused by the bank.

4. Provide true and effective information: when handling loans, individuals need to provide real personal information to the bank, not false information, otherwise they may be blacklisted by the bank and will never handle loans in violation of regulations in the future. Also, when personal information changes, individuals must notify the bank in time.