Current loans and fixed loans, that is, working capital loans and fixed assets loans. The current loan is a loan issued to meet the production and operation capital needs of producers and operators and ensure the normal production and operation activities; Fixed loans are loans used for investment in fixed assets of enterprises. They have different purposes, different loan terms and different loan returns.

1, different uses

Fixed assets loans are generally used for capital construction fixed assets loans that provide credit support for infrastructure, service facilities and new or expanded productive projects; Technical transformation fixed assets loans that provide credit support for enterprises to carry out technical transformation projects to expand reproduction; Fixed assets loans for research and development that provide credit support for research and development projects of new technologies and new products; The purchase of basic assets is a fixed asset loan that provides credit support for the purchase of buildings or facilities such as production, warehousing and office.

Working capital loans are generally used for purchasing and storing all kinds of finished products, semi-finished products and raw materials needed for production and operation, or purchasing and storing all kinds of seasonal materials needed for production and operation due to seasonal reasons.

2. The loan term is different.

Fixed assets loans are generally medium-term loans of 1-5 years or long-term loans of more than 5 years.

Working capital loans are generally divided into short-term working capital loans within one year and medium-term working capital loans from one year to three years.

3, the loan income is different

The income of fixed assets loan investment is generally long-term and stable.

The income from working capital loans is generally short-term and medium-term income.