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sandra asked in 商業與財經個人理財 · 1 decade ago

請問銀行授信業務的call loan??

ㄧ天到晚都聽到~CALL LOAN這個名詞~

昨天主管問我~這是我們CALL LOAN的客戶嗎?

到底什麼叫作CALL LOAN~可以解釋清楚ㄧ點嗎?

1 Answer

Rating
  • 吐奶
    Lv 4
    1 decade ago
    Favorite Answer

    CALL LOAN指的是短放其中的一種

    也就是採逐筆議價方式來貸放

    一般來說客戶(通常是相當大的法人客戶)多會採取CALL LOAN的方式與銀行作授信往來,利率會按照當時貨幣市場利率來計算,甚至CALL到更低的利率

    而且CALL LOAN除了議價利率較一般純信利率低以外,CALL的天數可能短則1天,多則180天不一定

    當然天數越短,利率可能會被要求更低,反之則會比較高

    資金緊縮的時候通常不容易承作CALL LOAN或是議價利率會比較高

    資金寬鬆時議價利率仍會考慮到銀行的資金成本來承作CALL LOAN

    希望回答對你有小小的幫助

    2008-11-12 15:36:16 補充:

    你可以加我到MSN

    tmd0722

    要跟我說你是誰唷

    Source(s): 我是法人授信經辦
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