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Commercial banks borrow money from the central bank according to time.
There are different times according to different loan types. 1 year, 2 months to 4 months, 10 days to 20 days.

1, one year. According to Baidu Encyclopedia, the annual loan time of the central bank is one year, which is used by the central bank to solve the annual fund shortage caused by reasonable economic growth and distributed to commercial banks for annual turnover.

2, 2 months -4 months. Seasonal loans for 2 months, up to 4 months.

3. 10 days -20 days. Floating loan 10 day, with a maximum of 20 days. Accounting is basically the same as annual loan.