1. What is a loan?

1. refers to the funds borrowed by enterprises from banks, other financial institutions and other units, including credit loans, mortgage loans and trust loans. Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.

2. A new Internet "P2P" model, that is, the Internet is used as a platform to match the transactions between borrowers and individual investors, who are optimistic about the project and lend money to those in need. The advantages of Internet P2P model are "fast, efficient, and not limited by region". In recent years, the "lightning borrowing" mode of mobile Internet and WeChat has gradually become popular, and the mobile Internet has more efficient and convenient attributes, which has brought a brand-new operation mode to traditional borrowing.

Second, what is a long-term loan?

1. Long-term loans can be divided into three types according to different purposes: capital construction loans, technical transformation loans and production and operation loans.

2. According to different repayment methods, long-term loans can be divided into two types: one-time repayment and installment repayment.

3. According to the way of paying interest and repaying principal, it can be divided into long-term loans with interest paid by installments, long-term loans with interest paid by installments and long-term loans with principal and interest repaid by installments.

4. Long-term loans can be divided into RMB long-term loans and foreign currency long-term loans according to the different currencies involved.

5. According to different sources, long-term loans can be divided into long-term loans borrowed from banks and long-term loans borrowed from other financial institutions.

3. Classification description of short-term loans?

1. Operating revolving loan: also known as productive revolving loan or commodity revolving loan. Loans obtained by enterprises from banks or other financial institutions because their working capital cannot meet the needs of normal production and operation.

2. Temporary loans: short-term loans that the normal working capital of an enterprise cannot meet the needs due to seasonal and temporary objective reasons and exceed the turnover of production or commodities.

3. Settlement loan: when the sales payment is settled by collection and acceptance, the enterprise borrows money to solve the funds needed in transit after the goods are sent out and before the payment is received.

4. Discounted bill loan: In case of difficult business turnover, the loan using bank acceptance bill or commercial acceptance bill can be applied for flying discount, and the term generally does not exceed 3 months.

5. Seller's credit: a loan applied to a bank by an enterprise whose products are included in the national plan and whose quality is in the leading position in the country because of the approval of installment sales and insufficient production and operation bonuses.

6. Pre-deposit loan: money borrowed from banks by commercial enterprises for purchasing agricultural and sideline products and issuing pre-deposits.

7. Special reserve loan: the money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.