2. Working capital loans are loans issued to meet the short-term capital needs of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.
According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge.
According to the way of use, it can be divided into short-term revolving loans that are applied one by one and audited one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit stipulated by the bank.
As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a popular banking business for customers.
Extended data:
According to the Interim Measures for the Management of Fixed Assets Loans:
Article 9 An application for a fixed asset loan accepted by a lender shall meet the following conditions:
(1) The borrower is legally approved and registered by the administrative department for industry and commerce or the competent authority;
(2) The borrower's credit status is good and there is no significant bad record;
(3) If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record;
(four) the state has the qualification requirements for the investment subject and business qualification requirements that meet the requirements of the proposed investment project;
(five) the purpose of the loan and the source of repayment are clear and legal;
(six) the project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects according to regulations;
(seven) in line with the provisions of the state on the capital system of investment projects;
(8) Other conditions required by the lender.
Article 10 The lender shall require the borrower to provide the form and specific contents of the application materials, and require the borrower to follow the principle of honesty and trustworthiness and promise that the materials provided are true, complete and effective.
According to the Interim Measures for the Management of Working Capital Loans:
Eleventh to apply for a working capital loan shall meet the following conditions:
(1) The borrower is legally established;
(2) The purpose of the loan is clear and legal;
(3) The production and operation of the borrower are legal and compliant;
(four) the borrower has the ability to continue to operate and has a legal source of repayment;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12 The lender shall put forward requirements on the methods and specific contents of the application materials for working capital loans, and require the borrower to follow the principle of honesty and trustworthiness and promise that the materials provided are true, complete and effective.
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Baidu encyclopedia-working capital loan