As can be seen from the following table, the differences are as follows: the purpose of project fixed assets loans and working capital loans is to solve the capital demand of fixed assets investment activities of enterprises to meet the needs of enterprises, and the short-term capital demand should be reviewed one by one for 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, and within the time and limit stipulated by banks. After the project is completed, accepted and put into production, cash or enterprise's own funds are mainly the operating income of the enterprise. There are many external factors, uncertain and unstable factors, and the risk is concentrated on the long-term stable income of the borrower, guarantor or mortgagor.

2. Is the total investment in project construction (excluding loan interest during the construction period) included in the original value of fixed assets? How to calculate the interest of working capital loan during the operating period?

1. The total investment in project construction includes current assets, fixed assets, intangible assets and other assets (long-term deferred expenses, assets to be written off, etc.). ). According to the investment situation, the interest rate of working capital loan during the operation period = the scale interest rate of working capital loan, and it is estimated according to the operation situation after the completion of the project, such as estimating the required amount of funds according to the asset turnover rate-self-owned funds.

Three. Working capital loan What is a clear and legal example of loan use?

The purpose of working capital loan generally includes normal business occupation, including the increase of stocking volume and accounts receivable formed according to sales growth, on the other hand, it also includes accounts receivable formed by seasonal procurement, changes in upstream and downstream negotiation status or the increase of inventory scale compared with the previous year.

Sometimes, although the sales volume has not increased, there will be a certain loan demand due to the change of upstream and downstream bargaining power, the extension of the receivable prepayment period or the short-term reserve of raw materials that needs to be increased for some reason (I met an enterprise that needs to increase the reserve of raw materials because of the big reason of 18, because raw materials are not allowed to be transported or mineral products cannot be mined during the big period of 18). However, whether the loan amount increases or not still depends mainly on the first repayment source of the enterprise.

4. What's the difference between working capital loans and other capital loans?

Working capital loan is a loan 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. 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. Difference: Working capital loan is a loan issued to meet the short-term capital demand of producers and operators in the process of production and operation and ensure the normal production and operation activities. Other capital loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 1. Main types of working capital loans. Working Capital Revolving Loan: A working capital loan business in which the lender and the borrower sign a loan contract at one time, allowing the borrower to withdraw money in installments, repay the loan one by one and recycle the loan within the validity period stipulated in the contract. 1. Zero compensation working capital loan: a working capital loan that customers can withdraw in one lump sum and repay in installments. 13. Corporate 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 to pay, it is allowed to directly overdraw within the approved overdraft limit to obtain credit funds. Ii. business process of working capital loan 1. Apply for a loan. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantee subjects (when necessary). 2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents. 3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures. 4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.