Detailed description of the difference and relationship between the integrated credit line, open line, financing line?

1, comprehensive credit line that is the amount of loans issued by the bank according to the borrower's qualifications and policies. Now basically the credit is granted by collateral or credit. If the borrower can provide collateral that meets the bank's requirements, then the bank will calculate the credit line based on the appraisal value of the collateral, which is usually 50% to 80%, and if the borrower has good credit, then the loan can be granted without collateral guarantee, which is relatively simple.

2, the open line is the amount of the loan of the enterprise, the enterprise can actually be used to pay the amount of credit funds, bank book loans or acceptances equal to the open line and the sum of the margin amount.

If the bank gives 1 million yuan of credit, you do a margin of 50%, the face amount of 2 million yuan of bankers' acceptances, then you use up the 1 million yuan of the bank's exposure, the 1 million yuan of credit is also called open credit.

3, credit line and open line, credit line has a greater range, can be subdivided into loan line, open letter of credit line, export charge line, open letter of guarantee line, open bank acceptance line, acceptance discount line and other sub-line.

If the bank gives the enterprise a credit line of 3 million, the open line is 1 million, the other 2 million need to provide security deposit in order to obtain, if there is no security deposit, then the actual line of credit is only 1 million, the other 2 million can not be withdrawn. In summary, the two are similar in meaning, the only difference is the actual application of the size of the quota, according to their own conditions combined with the bank's policy to apply for the appropriate quota.

4, enterprise financing refers to the financial institutions for small and medium-sized enterprises launched customized financing solutions, by the existing enterprises to raise funds and complete the project investment and construction, whether before or after the completion of the project, there is no new independent legal person. Loans and other debt funds are actually used for project investment, but the debtor is the company rather than the project, and the cash flow and assets of the entire company can be used to repay debts and provide guarantees; that is to say, the creditor has full recourse to the debt, and even if the project fails, the loan must be repaid by the company, and thus the degree of risk of the loan is relatively low.

Tips: The above information is for reference only.

Response time: 2021-10-09, please refer to the announcement on Ping An Bank's official website for the latest business changes.

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