Short-term loans are liabilities, and the opening balance is at the lender.

If this short-term loan expires this month, the entry for returning this short-term loan this month is:

Borrow short-term loans of 220,000 yuan.

Loan bank deposit 220000

After repayment, your short-term loan balance will be zero.

If you don't understand, you can write a T-account for short-term loans yourself, and then fill in the information above, and you will understand.