1. What is the term of the medium and long-term working capital loan?

1 to 3 years.

1. Temporary loans: working capital loans within a temporary period, which meet the temporary needs and make up for the main goods.

2. Short-term loans: Short-term loans refer to working capital loans with a term of 3 months to 1 year (excluding 3 months and including 1 year), which are mainly used for the capital needs of normal production and operation of enterprises.

3. Medium-term loans: Medium-term loans refer to working capital loans with a term of 1 to 3 years (excluding 1 year, including 3 years), which are mainly used for regular turnover and laying the foundation for working capital loans in the normal production and operation of enterprises.

1. Liquidity refers to the liquidity of enterprises. Liquidity is the form of current assets, that is, the total assets that an enterprise can use within one year or exceed. Generalized liquidity includes cash, inventory (materials, work in progress, and finished products), accounts receivable, securities, prepayments and other items.

liquidity has a popular name, which is called camp

liquidity = flow in a narrow sense, that is, the so-called net liquidity (ngcapital). According to this definition, the source of funds for current assets should be another long-term source besides current liabilities.

The amount of net working capital represents the current status of the enterprise. The more net working capital means the more net working assets, the stronger its short-term solvency, so its credit status is also higher, and it is easier to raise funds in the capital market, and the cost is

2. The salary paid by the enterprise to its employees, like the expenses paid by the enterprise for purchasing raw materials, is also recovered from a whole product sale and then used to pay the next salary. The turnover mode is the same as working capital. Moving funds.

3. Although some simple tools belong to labor means by nature, they are also included in the working capital as low-value consumables for the convenience of management because of their short value or use time. The field is divided into the production field of liquidity.

the former can be divided into reserve funds and production funds, and the latter can be divided into monetary funds and commercial production funds, which account for a large proportion. It accounts for more than 2/3 in textile industry, machinery industry and food industry. It is of great significance to save consumption, reduce product cost and improve economic benefits of enterprises.

4. Raw material reserve, comprehensive utilization of raw materials, reduction of materials per unit product, shortening of production time and circulation time of products, etc.

2. What is the term structure of loans

The term of loans refers to the period from loan drawdown to loan repayment. The term structure of a loan means that the term of the loan is different due to different types of loans. I don't think your question should be a noun explanation. If it is a noun explanation, that's enough. This question should be a short answer. If it is a short answer, the term of various loans should be listed: 1. Short-term loans are less than six months (including six months) and six months to one year (including one year); Two, medium and long-term loans for one to three years (including three years), three to five years (including five years), more than five years. Discount 4. Housing loan 1. Personal housing provident fund loans: less than five years (including five years) and more than five years. 2。 Self-employed housing loans: housing development loans and individual housing loans. 3。 Personal commercial housing loan, personal housing decoration loan. V. Personal consumption credit loans: automobile consumption loans, personal comprehensive travel loans, small pledges and personal credit. VI. Preferential loan interest rate VII. Penalty interest < P > III. What is the term of the medium and long-term working capital loan?

1 to 3 years. 1. Temporary loans: Temporary loans refer to working capital loans with a term of less than 3 months (including 3 months), which are mainly used for the temporary needs of enterprises to purchase goods at one time and to make up for other seasonal payment funds. 2. Short-term loans: Short-term loans refer to working capital loans with a term of 3 months to 1 year (excluding 3 months and including 1 year), which are mainly used for the capital needs of normal production and operation of enterprises. 3. Medium-term loans: Medium-term loans refer to working capital loans with a term of 1 to 3 years (excluding 1 year and including 3 years), which are mainly used for regular turnover and laying the foundation for working capital loans in the normal production and operation of enterprises. 1. Liquidity refers to the liquidity of enterprises. Liquidity is the manifestation of current assets, that is, the total assets that an enterprise can realize or consume within one year or more than one year in a production cycle. In a broad sense, working capital refers to all the current assets of an enterprise, including cash, inventory (materials, work in process and finished products), accounts receivable, securities, prepayments and other items. All the above items are necessary for business operation, so working capital has a popular name, which is called working capital. Liquidity in a narrow sense = current assets-current liabilities. The so-called networkingcapital. According to this definition, the source of funds for current assets should be another long-term source besides current liabilities. The amount of net working capital represents the current status of an enterprise. The more net working capital means the more net working assets, the stronger its short-term solvency, and therefore its credit status is higher, so it is easier to raise funds in the capital market and the cost is lower. 2. From the perspective of enterprise production, the wages paid by enterprises to employees, like the expenses paid by enterprises for purchasing raw materials, are all transferred to the cost at one time, and recovered through product sales, and then used to pay the next salary. The turnover mode is the same as working capital. Therefore, it is also included in the liquidity of enterprises. 3. Although some simple tools belong to labor means by nature, they are also included in the working capital as low-value consumables for the convenience of management because of their short value or use time. The working capital of an enterprise is divided into the working capital in the production field and the working capital in the circulation field according to its field. The former can be divided into reserve funds and production funds, while the latter can be divided into monetary funds and commodity funds. Liquidity accounts for a large proportion of production funds. It accounts for more than 2/3 in textile industry, machinery industry and food industry. Saving working capital is of great significance for reducing material consumption, reducing product cost and improving economic benefits of enterprises. 4. The main ways to save working capital are to reduce the reserve of raw materials, comprehensively utilize raw materials, reduce the material consumption and wage content of unit products, and shorten the production time and circulation time of products.