Term industrial and commercial loans, the purpose of term loans is to provide funds for long-term and medium-term business investments, such as purchasing equipment or building physical facilities. The long-term coverage period is longer than one year. Usually, the borrowing enterprise applies for all loans according to the budgeted cost of its proposed project, and then promises to repay the loans in a series of installments (usually even monthly payments in various places). Therefore, conventional loans focus on the company's future income process and the depreciation paid by retired employees. In the case of the mind, the timetable is usually composed of a normal cycle of cash inflow and cash outflow. Because, you can include "blind spots" in the debt repayment table. Then there is the budget cost of its proposed project and the repayment multiple of a series of installations (usually paid quarterly). Or even monthly). Therefore, the term loan focuses on the future income flow of the enterprise to repay the loan in installments. The installment schedule is usually based on the borrower's normal cash inflow and outflow cycle. For example, there may be a "blind spot" in the repayment plan, so there will be no installation fee due when the customer has plenty of cash in a year. These arrears must be made up later. However, in the case of abundant cash, some term loan agreements do not require the loan principal to be repaid until the end of the loan. For example, ina "bullet interest is paid in installments, and the loan is due in full from the principal. Term loans are fixed loans (such as plant or equipment is superior to short-term industrial and commercial loans, such loans. In the long-term loan of the borrower, the possibility of default or other harmful changes is great), and it is usually possible to carry or fix floating interest rates. This ratio is usually high.