What is bank exposure acceptance and open credit?

1. Exposure credit is your current available credit balance, for example, the bank gives your company a credit of 50 million yuan this year, and the total credit of all the financing you have obtained in this bank is 35 million yuan, then the remaining credit space before your credit maturity date is 15 million yuan, and the 15 million yuan is your open credit.

2. Bank exposure bank acceptance means that you apply for 10 million yuan of bank acceptance in the bank and mortgage 8 million yuan, or other companies guarantee 8 million yuan to you, then the remaining 2 million yuan is the exposure part of the acceptance.

Credit exposures are typically for corporate loans.

In other words, the loan line granted by a bank to an enterprise is often referred to as a comprehensive credit line.

Also known as the exposure quota.

1. That is, if the enterprise applies for a loan from the bank and provides relevant guarantees or immovable property as collateral, the bank will grant credit to the enterprise within a certain period of time after being approved by the bank's loan review committee.

2. Credit exposure usually refers to the credit balance, where the credit refers to the bank's credit loan, and the bank's loan is mainly divided into two categories, one is the line loan, that is, when the customer applies for the line loan in the bank, the bank will give the customer credit within a certain period of time according to the customer's credit information, business status and collateral value, and the customer has the right to recover the loan within a certain period of time within the validity period of the line.

3. The other is a single loan, that is, a loan that starts to accrue interest from the time of application to the time of payment, and matures after settlement. As long as the customer does not recover the loan, there is no interest and, for a certain period of time, within the limit**.

Extended Resources: What is the difference between a credit line and an exposure line?

1. Credit line.

That is, the amount of the loan issued by the bank according to the borrower's qualifications and policies. Now, credit is basically provided through collateral or credit. If the borrower is able to provide collateral that meets the bank's requirements, then the bank will calculate the credit limit based on the appraised value of the collateral, which is usually 50 to 80.

If the borrower has good credit, it is relatively simple to get a loan without collateral security.

2. Exposure amount.

In short, it is the amount of loans of the enterprise, the amount of credit funds that the enterprise can actually pay, and the amount of the bank's book loan or acceptance is equal to the risk exposure.

Amount and security deposit.

The sum of the amounts. For example, the bank gives you a credit of 1 million yuan, and you open a bank acceptance draft, with a deposit of 50 and a face amount of 2 million yuan, so you use up the 1 million yuan risk exposure in the bank, which is also called risk exposure credit.

An open credit facility is a line of credit that is not covered by a bank's risk mitigation measures.

For example, the bank grants 1 million yuan to the enterprise, and the enterprise takes 80% of the deposit.

When opening a bank acceptance bill, the remaining 20% is the exposure credit line;

Non-open credit means that the pledge or guarantee provided by the borrower can cover the credit amount, and the bank does not have to bear additional credit risk.

Also known as low-risk business.

Extended Materials

One. Risk Exposure.

Exposure is an unprotected risk that is linked to a specific risk by the credit balance that may be at risk as a result of the debtor's default. The credit line is the stock management index of the short-term credit business approved by commercial banks for customers, which can be divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line.

As long as the credit balance does not exceed the corresponding business product index, regardless of the cumulative amount and number of issuances, the commercial banking business department can quickly provide short-term credit to customers, and enterprises can easily recycle the bank's short-term credit funds, so as to meet customers' requirements for the speed and convenience of financial services.

Two. Credit line requirements stipulate:

1. Through the credit investigation, the enterprise can understand and grasp the credit status of the target enterprise in a timely, systematic and objective manner, and determine the settlement method in the selection of partners.

or in the decision-making of disputes.

2. In order to reduce or avoid risks, credit investors need to make decisions when providing credit funds to enterprises and other customers. After the credit line review report is approved by the risk management department or the corresponding procedures, the credit line enters the execution stage.

3. Self-operated loans and specific loans shall not be charged any other fees except for the interest charged according to the regulations; Entrusted loans.

No other fees shall be charged except for the handling fee charged in accordance with the regulations. Non-open credit refers to the pledge or guarantee provided by the borrowing enterprise that can cover the credit amount, and the bank does not have to bear additional credit risk, also known as low-risk business.

Three. There are 5 steps to apply for a credit exposure:

1. Application for enterprise loan.

2. The legal personality and legal representative qualifications of both the borrower and the guarantor, as well as relevant legal documents.

3. Loan card issued.

4. The company's audited financial report.

and other documents required by the bank. If it is a mortgage or pledge guarantee, the ownership certificate of the secured property must also be submitted.

5. Guarantor or mortgage or pledge guarantee recognized by the bank.

It is learned from the cloud bill that the bank acceptance bill exposure refers to the fact that after the enterprise obtains the bank acceptance bill credit line, the enterprise pays the specified proportion of the margin, and the remaining part is provided by the acceptance bank to the drawer.

Banker's Acceptance Draft Exposure = Banker's Acceptance Bill's Face Value - Deposit Amount of Bill.

According to the bank's credit rating of the enterprise, the highest enterprise can deposit 30% of the draft margin and issue 100% of the bank acceptance bill.

A bill of exchange that is promised by a bank to be paid when due is called a banker's acceptance bill; A bill of exchange that is committed to payment due by a strong and reputable enterprise is called a commercial acceptance bill. Because the credit system necessary for the market economy has not yet been fully established in China, the scope of use of commercial acceptance bills is not extensive, and a large number of bank acceptance bills are used in our economic life.

Don't listen to them net from that play concept, what exposure acceptance bill of exchange, what this bill of exchange, that bill of exchange? The only bills of exchange that can be accepted are those whose reputation is okay, the company issued them, and even some companies have been listed directly on the funding side, and the Internet celebrity company must be a dead end, and various other companies are really strange, just like the Qiulin Group in Heilongjiang, starting from the inability to accept his bills of exchange, no one even took his bills of exchange, and his company was already doomed to collapse.

Exposure of bank acceptance bills: After obtaining the credit line of bank acceptance bills, the enterprise shall clarify the ratio of margin and exposure according to the agreement in the bank-enterprise acceptance draft agreement, which is commonly known as the difference in the bill. (The so-called exposure, in layman's terms, can be understood in this way, the enterprise obtains a bank acceptance bill quota of 10 million, if the margin ratio is 35%, then the exposure is 65%.

That is, if you deposit 3.5 million, you can open 10 million tickets, which is equivalent to the proportion of exposure is how much you finance).

1. Conditions for handling bank acceptance bill exposure.

1. The products produced by the applicant have a market, and the production and operation are efficient, and the credit funds are not misappropriated;

2. Open a basic deposit account or a general deposit account in the acceptance bank, and engage in business activities in accordance with the law (i.e., there is a "business license for enterprise legal person" issued by the administrative authority for industry and commerce) and other economic organizations (i.e., it refers to a legally established enterprise with a certain organizational structure and property; Those who do not have the status of a legal person, but have registered to receive a "Business License" in accordance with the law);

3. Be able to provide a true, valid and legal legal person business license or business license (initial application), loan card, commodity purchase and sale contract, and agree in the contract to use the settlement method of bank acceptance bill;

4. Able to provide the guarantee method recognized by the acceptance bank. Legal and effective guarantees, mortgages, pledges and other guarantees shall be provided for the exposure of bank acceptance bills;

5. Good credit, no bad record, and have a real entrusted payment relationship with the acceptance bank, and have the funds to pay the amount of the bill**;

6. No arrears of interest, no bad records, or contingent liabilities and no bank advances;

2. Charging standards for commitment fees for bank acceptance bills.

Bank Acceptance Bill Commitment Fee = (Acceptance Amount - Low-risk Collateral Amount * Pledge Rate - Margin) * Rate;

The rate of commitment is determined by the term for which the bill of exchange is issued. The half-year term rate of the issued bank acceptance draft is tentatively set at 1%, and the rate of 3 months is, the acceptance period is less than 3 months, and the acceptance period is less than 3 months, and the fee is charged for half a year.

Commitment fee for acceptance bill business: The commitment fee for the acceptance bill business under the guarantee or similar products that are paid in installments within the acceptance period (the maturity date reaches 100%), and the fee calculation formula is as follows:

Bank Acceptance Bill Commitment Fee = Acceptance Amount * (1 - Margin Rate) * Rate * Margin Payment Period Parameter;

The parameter range of the margin payment period is.

If the deposit is paid in full within the acceptance period of less than or equal to 1 6, the parameters are.

If the deposit is paid in full within the acceptance period of more than 1 6 and less than or equal to 1 3, the parameters are.

If the deposit is paid in full within the acceptance period of more than 1 3 and less than or equal to 1 2, the parameters are.

If the deposit is paid in full within the acceptance period greater than 1 2, the parameters are.

In short: there is no limit to the line of credit. Credit refers to loan business, bill financing, credit card overdraft, etc.

The difference between an open credit and a non-open credit facility.

The difference between an open credit and a non-open credit facility.

Simply put, it's the maximum amount of money that the bank can lend you!

Specifically: The credit line refers to the recyclable credit line issued by the bank to the borrower within a certain amount and period, which is characterized by:

1. One-time credit, recycling, and repayment at any time. After a credit grant, it can be borrowed and repaid at any time within the agreed time and limit;

2. Voucher loan, simple procedures. The borrower handles the credit business in accordance with the credit contract, and the bank will not re-conduct the credit investigation and approval;

3. If it is a comprehensive credit line, in addition to obtaining loans, the borrower can also handle the issuance of acceptance bills, international settlement financing and other businesses stipulated in the credit contract.