Borrowing is borrowing money, from the debtor's point of view; From the creditor's point of view, a loan is a loan.

One; Ordinary loan line is a form of loan subject to informal agreement. Based on the seasonal and regular characteristics of capital demand, enterprises enter into informal agreements with banks to stipulate the maximum loan amount that banks can provide to enterprises within a specified period, during which enterprises can obtain bank loans at any time. When an enterprise applies for a loan amount, it must explain to the bank the financial status before the loan, and the bank decides whether to grant credit and implement the agreement according to the credit status of the enterprise and its own business requirements. Standby loan commitment is a form of loan agreed in a more formal and legally binding agreement. The enterprise signs a formal loan agreement with the bank, and the bank promises to provide loans to the enterprise within the prescribed time limit and limit, and requires the enterprise to pay the commitment fee to the bank.

Second; Working capital loan is a kind of loan form that determines the loan term and amount according to the product sales progress according to the characteristics of long production cycle, large raw material reserve and slow withdrawal of funds. Project loan is a large-scale construction project with high risk and high cost, which has the characteristics of large amount, high risk and high interest rate. The rationality and feasibility of the project is the basis for deciding whether to lend or not, and the recourse of the loan debt is for the project, not for the company and enterprise. For super-large projects, many banks usually provide loans in the form of bank syndicates or syndicates to spread risks.

Third; Many fund demanders are very casual when signing bank loan agreements. In fact, this natural and unrestrained behavior shows that they lack a good sense of financing and financial management, and often pay more interest when lending, resulting in artificially "high interest rates." Because some banks' loan forms will make fund demanders pay more interest invisibly. For example, loans that retain the balance of deposits and loans that withhold interest. The so-called retained deposit balance loan means that when the fund demander obtains a loan from the bank, the bank requires him to retain a part of the loan principal and deposit it in the bank account, so as to limit the fund demander from repaying the loan principal and interest on schedule. But for those who need funds, the discount of the loan principal is equivalent to paying more interest. The so-called interest deduction loan means that some banks deduct all the loan interest from the lender's principal when issuing loans to ensure that the loan interest can be repaid on time. Because this method will reduce the loan funds available to the fund demanders and objectively increase the financing cost of the fund demanders.

What is the difference between a lender and a borrower?

Lenders refer to those who provide loans to those who need funds, generally referring to commercial banks and central banks.

The main difference between the borrower and the borrower is that the borrower borrows funds and the lender borrows funds, which is the lender. The two are mutually beneficial.

According to the general principles of loans

Article 19 The borrower shall provide the lender with relevant information required by the lender in a timely manner according to law, and shall not conceal or provide false information.

Article 20 The borrower shall accept the lender's supervision over its financial status and loan use according to law.

Extended data:

According to the general principles of loans

Article 17 A natural person borrower shall meet the following basic conditions:

(1) Having a legal identity document or a valid residence certificate in China;

(2) Having full capacity for civil conduct;

(three) good credit, stable income or assets, and the ability to repay the principal and interest on schedule.

(4) Unless otherwise provided by the administrative organ.

Article 23 The borrower shall not use the loan for the following purposes:

(a) production, operation or investment in products or projects prohibited by the state;

(two) in violation of the relevant provisions of the state to engage in equity investment, in violation of the provisions of the state to use loans as registered capital, capital verification or capital increase and share expansion;

(3) Investing in stocks, futures and financial derivatives in violation of relevant state regulations;

(4) Budget revenue and expenditure;

(5) Other prohibited uses as stipulated by the state.