Generally, loan interest is higher than deposit interest. Therefore, the loan should be repaid first, and if there are other investment channels, let alone.

Bank deposit is the money stored in the bank, which is an integral part of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank to handle deposit, withdrawal and transfer settlement. Except for a small amount of cash within the prescribed limit, the monetary funds of the enterprise must be deposited in the bank. The bank deposits of the enterprise mainly include: settlement account deposits, letter of credit deposits, foreign deposits and so on. The cashier is responsible for the receipt and payment of bank deposits. For each bank deposit income and expenditure business, accounting vouchers must be prepared according to the audited original vouchers.