Special credit lines include: export bills, loans, bank acceptance bills, letters of credit, letters of guarantee and acceptance discounts. Special credit refers to the amount, variety and duration that banks can use to achieve a certain purpose when they generally give unified credit to enterprises. It has made special provisions on the purpose and duration of credit, and it is earmarked for this purpose only.

Credit line refers to the stock management index of short-term credit business approved by commercial banks for customers, which can generally be divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line. As long as the credit balance does not exceed the corresponding business variety index, regardless of the accumulated amount and the number of issuance, the business department of a commercial bank can provide short-term credit to customers quickly, that is, enterprises can easily recover the bank's short-term credit funds, thus meeting customers' requirements for fast and convenient financial services.

The arrangement of credit line is flexible, and the total credit line can be subdivided into loan line, letter of credit line, export draft line, letter of guarantee line, bank acceptance draft line and acceptance draft discount line. The credit line is applicable to all kinds of credit business with a term of less than 1 year (including 1 year), and the term of bid guarantee, performance guarantee, advance payment guarantee, customs payment guarantee and maritime guarantee under the opening guarantee line can be extended to more than 1 year.

Product characteristics of credit line

1. The credit line can be recycled, so the formulation of enterprise financial plan becomes clearer and more organized, and there is no need to arrange funds for routine business.

2. Meet the basic financing needs of enterprises. Credit line A single credit line is set according to various credit business types such as loans, letters of credit and letters of guarantee, which basically covers the main financing needs of customers. With the consent of the bank, the quota of a single product can be adjusted and cross-exchanged, which improves the utilization rate of the quota.

3. Simplify enterprise credit approval procedures. After obtaining the credit line, the customer decides the use mode and performance time of the credit line by himself according to the agreement, without reporting it to the credit bank for approval one by one, thus avoiding the time of single credit approval.