A. Production revolving loan

B. Commodity revolving loan

C. Temporary borrowing

D. loan settlement

E. secured loan

Short-term loans can be divided into working capital loans, settlement loans and temporary loans according to different purposes and uses. Under normal circumstances, the term of short-term loans for enterprises is about half a year, and the longest one cannot exceed one year.

1, working capital loans are easy to understand, that is, loans issued by enterprises to solve the liquidity of funds.

2. Settlement loan is a problem that enterprises occupy funds by selling off-site collection accounts in order to solve the problem.

3. Temporary borrowing is mainly to solve the temporary or seasonal business difficulties of enterprises.

For the safety of their own funds, banks usually ask the guarantor to provide joint guarantee. Pledged loan and mortgage loan have similar meanings, and both need enterprises to provide collateral. Of course, the collateral here can be the enterprise's own or that of other enterprises or individuals. It doesn't matter who owns the collateral here, what matters is that it can provide guarantee.

Credit loan means that enterprises use their own reputation as a guarantee to make loans. Here, because enterprises do not need to provide any guarantee, banks will face great risks. In this case, banks will only issue loans to enterprises with good production and operation and good development prospects. China Merchants Bank and Ping An Bank have done a good job in credit loans.