Legal analysis: As long as it is used for the daily production and operation turnover of the borrower, it can be used as working capital to grant credit. Generally speaking, it includes purchasing raw materials, daily business turnover, paying wages and so on. Wage refers to the labor remuneration paid by the employer to employees in monetary form according to the relevant provisions of the state and the agreement between the two parties in labor relations. In political economy, wages are essentially the value or price of labor. Wage is an important part of production cost. Wages belong to "daily production and operation", so they can be used to pay wages.

Legal basis: Article 3 of the Interim Measures for the Administration of Working Capital Loans The working capital loans mentioned in these Measures refer to local and foreign currency loans issued by lenders to enterprise legal persons (institutions) or other organizations that can be used as borrowers as stipulated by the state for daily production and operation.