What Is Credit Exposure?

The credit limit, also called "credit limit", refers to the credit limit granted by the bank to a certain amount of basic customers, that is, the enterprise can recycle such a large amount of money within a specified period of time. For example, if an enterprise applies for an export loan balance of 2 million U.S. dollars a year, the enterprise can use it five times and can use the amount of 10 million U.S. dollars (the procedure needs to be done only once, and the other procedures are very simple). If it is used ten times, it can be used. The amount of 20 million yuan, on the one hand, solves the short-term capital turnover difficulties of the enterprise, improves the speed of enterprise capital circulation, and improves the efficiency of enterprise capital use. ^[1]

credits

Credit line

The range covered by the credit limit (

Credit lines include two types of credit lines: general credit lines and customer-specific credit lines.

1. The overall credit line is based on its own situation and external environment

1. Open an account at a bank.

2. Submit a credit line application report to the bank, which introduces the basic situation of the enterprise, the financial status of the enterprise, the purpose, type, amount and term of the credit line.

3 Applicant, Guarantor's

Ways to increase your credit line

1. Fully prepare all kinds

Credit rating and quota

1.Credit rating

Customer credit ratings are divided into three categories: A, B, and C.

1) A-level users are "post-paid" users with unlimited credit limit; ^[6]

2) Class B users are "post-control" users with limited credit limit;

3) C-level users are zero-credit pay-as-you-go users; pay-as-you-go users participate in dynamic assessments and can upgrade to B or A if they meet the conditions.

Credit line

1) A-level users grant unlimited credit limit;

2) B-level users are granted limited credit; based on the principle of "normal use of users, payment perception after experience; users 'extraordinary use, controlled by credit limit"; B-level customers' user credit limit is their monthly fixed fee (including: package Monthly fee, customer-specific products, data package, SMS package, voice overlay package) or 2.5 times the average monthly consumption (rounded up to 10 yuan).

3) C-level user credit limit is zero.

3. Related regulations

1) Credit available to users

Available credit lines: user-adjusted fixed credit lines, temporary credit lines, and provisional international credit lines.

(1) User-adjustable fixed credit limit: The user actively sets a fixed credit limit between zero and the maximum grantable fixed credit limit.

(2) The highest fixed credit line can be granted: Usually, it is the fixed credit line after initial and dynamic evaluation. If there is a static credit line, the larger of the two is used.

(3) Temporary credit: 4G users' temporary credit is adjustable credit; B-level customers can adjust 50 yuan each time, once a month, VIP customers twice a month, 14 days / time (can be across months); Level users can adjust up to 20 yuan, once a month for 7 days (not across months)

(4) Temporary Credit Line for International Business: 4G subscribers will increase international roaming credit by RMB 500 if they open international roaming service (Note: 1. Cancellation of international roaming business, RMB 500 international roaming credit will be cancelled; international roaming business, international roaming credit Cannot be cancelled. 2, 500 yuan international roaming credit does not limit the use of international roaming service consumption. 3. Such users do not perform the verification of the 500 yuan pre-deposit opening conditions on the 5th of each month.

2) Online users apply for new 3G / 4G numbers

(1) On-line 3G / 4G users apply for a new 3G / 4G paid number. The new user number inherits the customer's credit rating and grants the corresponding credit line without re-evaluation (the user does not need to not participate in the initial evaluation).

(2) On-line 2G users apply for new 3G / 4G post-paid numbers. If the user is a 2G unlimited credit line post-paid user, the customer credit rating is A; if the user is a 2G limited credit line post-paid user, the customer credit rating Level B, the new user number credit limit is not lower than the original credit limit (Note: 1. For newly assessed fixed credit limit higher than the original credit limit, only the user's fixed credit limit (upper reference value) is changed, and the user still uses The original credit limit, and can apply to increase the fixed credit limit up to the upper reference value. 2. For the newly assessed fixed credit limit is lower than the original credit limit, the user still uses the original credit limit.).

3) 2G users pay after switching to 3G / 4G

(1) After 2G unlimited credit limit, paying users will transfer to 3G / 4G, with a credit rating of A, and maintain unlimited quota.

(2) 2G post-paid users to 3G, 2G post-paid users (more than 30 yuan credit, excluding temporary credit line) to 4G, credit level is B, and new credit lines are granted. New credit lines cannot be granted. Below the original credit limit. (For details, please refer to the implementation in each city). Other 2G postpaid users will switch to 4G, and the credit rating is C (zero credit).

(3) 2G prepaid users who transfer to 3G / 4G postpaid users will be treated as new postpaid users for credit evaluation.

(Note: 1. For newly assessed fixed credit lines that are higher than the original credit line, only the user's fixed credit line (upper reference value) will be changed. The user still uses the original credit line and can apply to increase the fixed credit line up to the upper limit reference. Value. 2. For the newly assessed fixed credit line that is lower than the original credit line, the user still uses the original credit line.).

4) 3G users in the original system pay after switching to 3G / 4G

(1) After paying 3G unlimited credit limit in the original system, paying users will be converted to credit level A.

(2) In the original system, 3G users with limited credit limit transferred to 3G, and 3G users (more than 30 yuan credit, excluding temporary credit limit) transferred to 4G, all converted to credit rating B, and the newly granted credit limit must not be lower than Original credit line. (For details, see the implementation in each city). Other 3G postpaid users will switch to 4G, and the credit rating is C (zero credit).

(3) 3G prepaid users who transfer to 3G / 4G postpaid users are treated as new postpaid users for credit evaluation.

(Notes: 1. For newly assessed fixed credit lines that are higher than the original credit line, only the user's fixed credit line (upper reference value) is changed. The user still uses the original credit line and can apply to increase the fixed credit line up to the upper limit. Value. 2. For the newly assessed fixed credit line that is lower than the original credit line, the user still uses the original credit line.)

For the case where multiple 2G / 3G numbers are transferred to 4G under the customer's name, the credit rating is taken high, and a credit line is granted according to this credit level, and the newly granted credit line must not be lower than the original credit line.

[Note: When multiple 2G / 3G numbers in the customer's name are successively transferred to 4G, if the credit rating of the newly transferred 4G number is higher than that of the transferred 4G number, the customer's credit rating will be adjusted to the newly assessed credit grade. The transferred 4G number still uses the existing credit limit, and at the same time, the fixed credit limit (upper reference value) of the number can be adjusted. Customers can apply to upgrade the fixed credit limit of the number up to the upper limit reference value.

5) Transfer

(1) If the number is transferred to an online user, the number inherits the customer credit rating of the online user.

(2) If the number is transferred to a new user, a normal initial evaluation is performed.

6) Ledger payment and sharing package

(1) Joint account payment is a type of business where multiple users under a customer's name share a unified account. By default, they do not open and stop together. After deducting the balance of the unified account, they use their own credit lines.

If the joint account payment application is opened and stopped at the same time, after deducting the balance of the unified account, the shared credit limit (credit accumulation);

(2) The sharing package is a service type in which multiple users under the customer's name share communication resources and a unified account, and defaults to simultaneous opening and stopping, sharing account balance, and sharing credit limit.

7) Red List, Black List and False Information Customers

(1) Customers identified as red list, black list, and false identity are managed in accordance with relevant special specifications; non-red list, black list, and false identity customers are managed in accordance with credit management specifications.

(2) The red list, black list, and false identity-related business norms have a higher priority and do not overlap with credit management norms.

8) Group customer member customers

(1) The credit ratings and credit service standards of group customer members are consistent with those of public customers.

(2) Group customers If customers have individualized credit lines and payment periods, they must be agreed in the agreement; they are implemented through "static credit line adjustment" and "delay payment service".

(3) Group members If customers extend the payment period, they should adjust the credit limit accordingly to comply with the principle of "normal use by users, payment perception after experience; user's extraordinary use, controlled by credit limit".

(4) Group customers' personal consumption business is recommended to supplement natural person customer information, or to assume the role of customer in the credit evaluation model with virtual special natural person customers, and to grant customers credit ratings.

9) Credit management of bill payment business and communication business

The credit rating of the bill payment business is independently assessed. The credit evaluation system of the communication business and the payment business query each other's credit scores and grades; and send malicious early warning notices to each other.

10) C-level zero credit limit and prepayment

The C-level credit rating is a "credit inspection status". There is no credit limit for the time being. As long as the payment is made on time after entering the network, it is usually automatically upgraded to a limited credit limit after the first dynamic evaluation. And other methods to improve credit ratings.