授信简答（Credit short answer）.docVIP

授信简答（Credit short answer） 1. What are interest rate sensitive assets and interest rate sensitive liabilities? A: interest rate sensitive assets and interest rate sensitive liabilities are assets and liabilities that are periodically repriced at market interest rates during a period of time or under an agreement. 2. What is the liquidity risk of commercial Banks? Answer: the liquidity risk refers to the commercial Banks do not have enough cash to meet customer demand withdrawal and failed to meet customer demand for loans or other paid cash needs, and make the bank credit losses or the possibility of economic loss. This paper briefly introduces the principle of the highest comprehensive credit of our clients. Answer: (1) unified credit. For the same legal persons different currency and various forms of credit business uniform in the scope of the customers comprehensive credit line; We should unify and reasonably determine the total credit line of the group. (2) credit after rating. Internal credit and external credit should not be given without the credit rating and failing grades. (3) discrimination. According to different customers management level, balance sheet, loan repayment ability, credit condition and market environment, risk degree, etc., determine the credit line of different kinds of credit. (4) credit limits. It is reasonable to determine the maximum credit line of the customer according to the requirement of the ratio management of the assets and liabilities of the bank. (5) adjust accordingly. According to the change of market environment and customers operation situation, credit situation timely adjust the letter of credit. Please brief us on the large loans and encourage the use of syndicated loans. Answer: the large loan that has one of the following circumstances, encourages the use of syndicate loan method to deal with: (1) the total amount of financing of a single enterprise or single project exceeds 10% of the banks capital balance; (2) the tota