(1) Temporary loan
Temporary loan refers to a working capital loan with a term of 3 months (including 3 months), which is 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 the regular turnover occupation in the normal production and operation of enterprises and to lay the foundation for working capital loans. Working capital loans can be divided into credit loans, third-party secured loans, mortgage loans and pledge loans according to their different guarantee methods.
According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, pledge loans, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments.