1 to 3 years.
1. Temporary loan: Temporary loan refers to a working capital loan with a term of less than 3 months (including 3 months), which is mainly used for enterprises to purchase goods at one time and make up for the temporary needs of other seasonal payment funds.
2. Short-term loans: Short-term loans refer to working capital loans with a term of 3 months to 65,438+0 years (excluding 3 months, including 65,438+0 years), 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 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), which are mainly used for the regular turnover in the normal production and operation of enterprises and to lay the foundation for working capital loans.
1. Liquidity refers to the liquidity of an enterprise. Liquidity is the manifestation of current assets, that is, the total assets that an enterprise can realize or consume in one year or more in a production cycle. Broadly speaking, working capital refers to all current assets of an enterprise, including cash, inventory (materials, products in process and finished products), accounts receivable, securities, prepayments and other items.
All the above items are necessary for business operation, so working capital has a popular name, called working capital.
Liquidity in a narrow sense = current assets-current liabilities. The so-called networkingcapital. According to this definition, the source of funds for current assets should be another long-term source besides current liabilities.
The amount of net working capital represents the present situation of an enterprise. The more net working capital, the more net working assets, the stronger its short-term solvency, so its credit status is higher, so it is easier to raise funds in the capital market and the cost is lower.
2. From the perspective of enterprise production, the wages paid by enterprises to employees, like the expenses paid by enterprises for purchasing raw materials, are all transferred to costs at one time, recovered through product sales, and then used to pay the next salary. The turnover mode is the same as the working capital. Therefore, it is also included in the liquidity of enterprises.
3. Although some simple tools are labor means in nature, they are also included in the working capital as low-value consumables for the sake of convenient management because of their short value or use time. The working capital of an enterprise is divided into working capital in production field and working capital in circulation field according to its field.
The former can be divided into reserve funds and production funds, while the latter can be divided into monetary funds and commodity funds. Liquidity accounts for a large proportion of production funds. Textile industry, machinery industry and food industry account for more than 2/3. Saving working capital is of great significance for reducing material consumption, reducing product cost and improving economic benefits of enterprises.
4. The main ways to save working capital are to reduce raw material reserves, comprehensively utilize raw materials, reduce the material consumption and wage content of unit products, and shorten the production time and circulation time of products.
What is a working capital loan
Question 1: What is a working capital loan? Working capital loan is a loan issued to meet your short-term capital demand in the process of production and operation and 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 payment 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. To put it bluntly, it is the liquidity needed for operation.
Question 2: What is the difference between fixed assets loans and working capital loans? What are the purposes of fixed assets loans and working capital loans to solve the capital demand of fixed assets investment activities of enterprises and meet the needs of enterprises? Short-term capital demand The medium-term loans with a term of 65,438+0-5 years or long-term loans with a term of more than 5 years, short-term loans with a term of 65,438+0 years or medium-term loans with a term of 65,438+0-3 years should be reviewed one by one, and the applications should be reviewed one by one, or at the time and time specified by the bank. The repayment source of working capital loan amount After the project is completed, accepted and put into production, cash or enterprise's own funds are mainly the risk of enterprise's operating income. There are many external factors, uncertainties and unstable factors, and the risks are mainly concentrated in the long-term, stable income, short-term and medium-term income of the borrower, guarantor or mortgagor.
Question 3: What is a working capital loan? Who told you about working capital?
Question 4: What is the difference between working capital loan and project loan? Working capital loan refers to the loan issued by the lender to meet the working capital demand of enterprises and institutions in the process of production and operation due to temporary, seasonal or expanded scale. Features: The term of working capital loan can be flexibly arranged according to the specific needs of customers, which can be divided into three types: temporary, short-term and medium-term, with a maximum of 5 years. Short loan cycle, short approval time, strong liquidity and low financing cost. Project loans refer to loans issued by commercial banks to borrowers for new construction, expansion, transformation, development and purchase of fixed assets investment projects. Project loan refers to the loan with a loan term of more than one year, which is specially used for business or public welfare investment projects. The loan amount generally does not exceed 70% of the total investment of the project, and the loan period generally does not exceed 10 year.
Question 5: What is the working capital loan of ICBC? Working capital loan is a loan issued to meet the temporary and seasonal capital demand in the process of production and operation of enterprises and ensure the normal production and operation activities. Working capital loan has the characteristics of flexible term, which can meet the temporary, short-term and medium-term working capital needs of enterprises. According to the term, they can be divided into three categories: temporary working capital loans, short-term working capital loans and medium-term working capital loans.
Question 6: What are the definitions of credit, productive loan and working capital loan? Credit is an economic lending behavior. It is a unilateral value transfer on the condition of repayment and interest payment. Bank credit belongs to an economic category of credit, which refers to the lending activities of banks as financial intermediaries. Banks gather funds in various forms within the social scope and distribute them within the social scope to support the capital needs of enterprises' business activities.
Productive loans, as the name implies, are loans granted to enterprises for production needs.
Working capital loan is a loan issued to solve the borrower's short-term working capital demand. (The exact definition is really hard to find)
Question 7: What are "fixed assets loans and working capital loans"? According to the different purposes of loan funds, loans can be divided into fixed assets loans and working capital loans. Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities. The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation. Working capital loan is a loan issued to meet people's short-term capital demand in the process of production and operation and 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. 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.
Question 8: What purpose can the enterprise working capital loan be used for? What purpose can't the enterprise working capital loan be used for?
In order to meet the short-term capital demand of enterprises in the process of production and operation, lending institutions have launched the enterprise working capital loan business. So, what is a working capital loan? What can it be used for? Are there any restrictions?
The so-called working capital loan refers to the local and foreign currency loans issued by lending institutions to enterprises (institutions) legal persons or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers.
According to the Interim Measures for the Management of Working Capital Loans (hereinafter referred to as the "Measures"), the lending institution shall agree with the borrower on a clear and legal loan purpose when granting this loan.
It is reported that working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and purposes prohibited by the state from production and operation. In addition, this loan shall not be misappropriated, and the lending institution shall inspect and supervise the use of working capital loans according to the contract.
The use of working capital loans
The use of working capital loans
According to the Interim Measures for the Management of Working Capital Loans, the lender should agree with the borrower on a clear and legal purpose of the loan.
Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state.
The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract.
To apply for a working capital loan, the following conditions shall be met:
(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.
Lenders should put forward requirements on the methods and specific contents of application materials for working capital loans, and require borrowers to abide by the principle of honesty and trustworthiness, and promise to provide authentic, complete and effective materials.
The lender shall conduct due diligence by combining on-site and off-site methods, form a written report, and be responsible for the authenticity, completeness and effectiveness of its contents. Due diligence includes but is not limited to the following:
(1) Organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower;
(2) The business scope, core business, production and operation, business planning and major investment plans of the borrower during the loan period;
(3) the industry status of the borrower;
(four) the borrower's accounts receivable, accounts payable, inventory and other real financial conditions;
(5) The borrower's total working capital requirements and existing financing liabilities;
(6) Related parties and related transactions of the borrower;
(seven) the specific purpose of the loan and the use of the counterparty's funds related to the loan purpose;
(8) Sources of repayment, including cash flow, comprehensive income and other lawful income generated by production and operation;
(9) For secured working capital loans, it is necessary to investigate the ownership, value and realization difficulty of the collateral, or the guarantee qualification and ability of the guarantor.
Product definition
Working capital loans refer to local and foreign currency loans issued by banks to enterprises, institutions, legal persons or other economic organizations for their normal production and operation turnover or temporary capital needs.
According to the term, it is divided into short-term working capital loans within one year (inclusive) and medium-term working capital loans from one year to three years. According to whether guarantee is provided, it can be divided into guarantee loan and credit loan, among which guarantee loan is divided into guarantee loan, mortgage loan and pledge loan; According to the usage mode, customers can apply for a single loan or offline loan one by one, that is, within the loan amount, enterprises can apply for withdrawal at any time, so long as the agreed conditions are met in advance, they can withdraw loans without applying for loans separately.
Question 9: What liquidity loans are there in China? What do you think is the score?
By loan term: short-term working capital loan
Medium-term working capital loan
Long-term liquidity loan
Or: short-term and medium-and long-term
There are some other points:
1. Temporary working capital loan: The term is within 3 months (inclusive), which is mainly used for the temporary capital demand of enterprises to purchase goods at one time and to make up for the shortage of other payment funds.
2. Short-term working capital loan: the term is from 3 months to 1 year (excluding 3 months, including 1 year), which mainly meets the working capital needs of enterprises in normal production and operation.
3. Medium-term working capital loan: the term is 1 to 3 years (excluding 1 year, including 3 years), which is mainly used for the capital needs of normal production and operation of enterprises.
If classified according to five grades, it is normal, concerned, secondary, suspicious and lost. But I don't think it will be classified according to five categories, right? There's nothing better.
Question 10: What's the difference between current loans and working capital loans? Working capital loan refers to the loan issued by the bank to solve the problem of insufficient working capital of production and operation enterprises.
Loan target: All enterprises that meet the requirements of bank liquidity mutual loan, such as industry, commerce, construction and installation, transportation, material supply and marketing, tourism, joint ventures, Sino-foreign joint ventures, etc., can apply for liquidity loans from banks after being approved and registered by the administrative department for industry and commerce and obtaining the Business License of Enterprise as a Legal Person.
What is the functional definition and product introduction of working capital loan?
liquidity loans
I. Functional definition
Working capital loans are loans issued to meet the temporary and seasonal capital needs of customers in the process of production and operation, and to ensure the normal production and operation activities, or loans issued by banks to borrowers to meet the long-term average demand for working capital in the process of production and operation.
Second, product introduction
Working capital loans can be divided into temporary working capital loans, short-term working capital loans and medium-term working capital loans:
1. Temporary working capital loan: The term is within 3 months (inclusive), which is mainly used for the temporary capital demand of enterprises to purchase goods at one time and to make up for the shortage of other payment funds.
2. Short-term working capital loan: the term is from 3 months to 1 year (excluding 3 months, including 1 year), which is mainly used for the working capital needs of normal production and operation of enterprises.
3. Medium-term working capital loan: the term is 1 to 3 years (excluding 1 year, including 3 years), which is mainly used for the capital needs of normal production and operation of enterprises.
Third, the applicable object
Working capital loans are highly liquid and suitable for industrial and commercial enterprises with short-term and medium-term capital needs. Under normal circumstances, according to the loan management policy of "safety, liquidity and profitability", banks make decisions on whether to lend, whether to lend more or less, the loan term and interest rate after investigating and approving the credit status and loan methods of customers.
Medium-term working capital loan is suitable for customers with normal production and operation, good growth, marketable products, profitable operation, no bad credit record and high credit rating. Customers who can provide full low-risk guarantee are not restricted by credit rating.
IV. Bidding Conditions
According to the general principles of loans, the loan object should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with China nationality and full civil capacity.
The basic conditions that a borrower should have include:
1. Abide by the credit and have the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off;
2 except for natural persons, the annual inspection shall be handled by the administrative department for industry and commerce (competent authority).
3. basic account or general deposit account has been opened;
4. Unless otherwise stipulated by the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;
5. The asset-liability ratio meets the requirements of the lender;
6. The ratio between the owner's equity of an enterprise legal person applying for medium and long-term loans and the total investment required for new projects shall not be lower than the capital ratio of investment projects stipulated by the state.
In any of the following circumstances, China Industrial and Commercial Bank shall not grant loans:
1. Does not have the qualification and basic conditions of the loan entity;
2 production, operation or investment in products and projects prohibited by the state;
3. Violating the provisions of the State on foreign exchange control;
4. The construction project has not obtained the approval document, which shall be reported to the relevant departments for approval in accordance with state regulations;
5 production, operation or investment projects without the permission of the environmental protection department;
6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, shareholding system reform, etc., the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;
7. There are other serious illegal business practices.
Five, the main varieties of working capital loans
1. Working capital revolving loan:
The lender and the borrower sign a loan contract at one time, and within the validity period stipulated in the contract, the borrower is allowed to withdraw money in installments, repay the loan one by one, and recycle the loan.
2. Zero compensation liquidity loan:
A working capital loan that customers can withdraw money in one lump sum and repay in installments.
3. Company account overdraft:
According to the customer's application, the overdraft limit of the account is approved, and when the deposit in the settlement account is insufficient, it is allowed to overdraw directly within the approved overdraft limit to obtain credit funds.
4. Medium-term working capital loans:
Refers to the working capital loans issued by commercial banks to borrowers with a term of one to three years (excluding one year and three years), which are mainly used for the normal production and operation of enterprises.
What is a working capital loan?
Working capital loan is a loan to meet the short-term (temporary, seasonal) capital demand of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.
Working capital loan has the advantages of short loan period, simple procedures, strong turnover and low financing cost. Suitable for industrial and commercial enterprise customers with short-term and medium-term capital needs.
Extended data:
I. To apply for a working capital loan, the following conditions shall be met:
1. The borrower is legally established;
2. The purpose of the loan is clear and legal;
3. The borrower's production and operation projects are legal and compliant;
4. 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 or bad credit record.
Second, the calculation method of liquidity loan demand:
1. Estimate the working capital of the borrower;
2. Estimate the amount of new working capital loans;
3. Other factors, such as actual situation and future development, related customers, etc.
Three. Working capital loan survey items:
1. Credit status, organizational structure, corporate governance, internal control and legal representative of the borrower's management team;
2. The borrower's business plan and main investment plan, core business, production and operation, and business scope during the loan period;
3. The real financial situation of the borrower, including accounts receivable and accounts payable.