1 to 3 years.

1. Temporary loan: Temporary loan refers to a working capital loan with a term of less than 3 months (including 3 months), which is mainly used for enterprises to purchase goods at one time and make up for the temporary needs of other seasonal payment funds.

2. Short-term loans: Short-term loans refer to working capital loans with a term of 3 months to 65,438+0 years (excluding 3 months, including 65,438+0 years), which are mainly used for the capital needs of normal production and operation of enterprises.

3. Medium-term loans: Medium-term loans refer to working capital loans with a term of 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), which are mainly used for regular turnover and foundation-based working capital loans in the normal production and operation of enterprises.

1. Liquidity refers to the liquidity of an enterprise. Liquidity is the manifestation of current assets, that is, the total assets that an enterprise can realize or consume in one year or more in a production cycle. Broadly speaking, working capital refers to all current assets of an enterprise, including cash, inventory (materials, products in process and finished products), accounts receivable, securities, prepayments and other items.

All the above items are necessary for business operation, so working capital has a popular name, called working capital.

Liquidity in a narrow sense = current assets-current liabilities. The so-called network capital. According to this definition, the source of funds for current assets should be another long-term source besides current liabilities.

The amount of net working capital represents the present situation of the enterprise. The more net working capital means the more net working assets, the stronger its short-term solvency, so its credit status is higher, so it is easier and cheaper to raise funds in the capital market.

What is the term of the medium-term loan in the bank loan period? Do different banks have different rules?

The loan term is divided into short-term loans, medium-term loans and long-term loans: this is unified throughout the country. Short-term loans refer to loans with a loan term of 1 year (inclusive). Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) to less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). Different banks have different loan terms for different types of loans.

The People's Bank of China stipulates that the medium-term loan period is

The medium-term loan term is more than one year (excluding one year) and less than five years (including five years), which is one of the loan term classifications. Medium-term loans are characterized by long term, high interest rate, poor liquidity and high risk.

Operating loan interest rate

Legal analysis: the operating loan interest rate fluctuates according to the benchmark interest rate of the central bank, and the floating ratio is based on the applicant's qualification and credit. The benchmark interest rate for central bank loans is:

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.

Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both lenders and borrowers does not exceed 24% per annum, the people shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people will support it.

I. Types of operating loans

1, temporary loan. Temporary loans refer to working capital loans with a term of less than 3 months (including 3 months), which are mainly used for the temporary needs of enterprises to purchase goods at one time and to make up for other seasonal payment funds.

2. Short-term loans. Short-term loans refer to working capital loans with a term of 3 months to 1 year (excluding 3 months, including 1 year), which are mainly used for the capital needs of normal production and operation of enterprises;

3. Medium-term loans. Medium-term loans refer to working capital loans with a term of 1 to 3 years (excluding 1 year, including 3 years), which are mainly used for regular turnover and foundation-based working capital loans in the normal production and operation of enterprises.

Second, the types of personal business loans

1. Personal commercial housing loan: RMB loans granted by banks to borrowers for the purchase of various commercial and commercial properties. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans.

What is the term of the medium-term loan?

For medium-term loans, the term is between 1 and 5 years. Compared with short-term loans, medium-term loans have the characteristics of longer term, greater risk and lower liquidity. Long-term loans, with a term of more than 5 years, the bank has relevant regulations. Common long-term loans such as mortgage require a lot of money and cannot be paid off in a short time.

：

1. Medium-term loans refer to loans with a loan term of more than one year (excluding one year) and less than five years (including five years); Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). Including: technical transformation loans, capital construction loans, project loans, real estate loans, etc. Medium-and long-term loans, also known as project loans, refer to loans issued by commercial banks for borrowers to build, expand, rebuild, develop and purchase fixed assets investment projects. Real estate loans also belong to the category of project loans, but the policies implemented are different from those of project loans.

2. The object of the project loan is the same as that of the working capital loan; The basic conditions are the same as working capital loans, but at the same time, the following requirements need to be met: the declared project conforms to the national industrial policy, credit policy and the loan investment of our bank; The project has the proportion of funds stipulated by the state; Long-term loans must be approved by the relevant government departments, and must hold the approval documents of the competent approval department. The borrower has good credit standing, strong solvency, perfect management system, and the proportion of foreign equity investment conforms to the relevant provisions of the state. Can provide legal and effective guarantee.

3. Compared with other loans, project loans have the following characteristics: projects supported by loans need to be examined and approved in accordance with the examination and approval procedures stipulated by the state. Fixed assets investment projects generally have to go through several examination and approval links, such as project establishment, feasibility study, preliminary design and commencement, before they can enter the construction. After the project is completed, the relevant government departments will organize the completion, final accounts and acceptance. Fixed assets loans must consider supporting other construction funds. The state stipulates that construction projects must have capital, that is, investors' non-debt funds. The proportion of funds required for projects in different industries to the total investment is different, and bank loans cannot be used as project capital. Banks usually hold more than 30% of the project capital. Fixed assets loans have a long term, often one-time approval, multiple issuance and loans; The interest rate is fixed every year. The fixed assets loan takes all the capital requirements of the whole project as the evaluation object, and the commitment is approved at one time. In the loan stage, according to the progress of the project and the annual loan plan, it will be issued one by one year. The term of a fixed asset loan contract refers to the period from the first loan to the last loan being paid off. The contract interest rate is the first annual interest rate of the loan, which is adjusted every year according to the interest rate changes of the People's Bank of China.

Medium-term loans refer to loans with a loan term of more than three years and less than five years.

Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) to less than 5 years (including 5 years). According to relevant public information, medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) to less than 5 years (including 5 years). Medium-and long-term loans, the loan term is more than 5 years (excluding).