Legal analysis: the loan term is mainly divided into short-term loans, medium-and long-term loans and long-term loans according to the length of time. Short-term loans are usually within 1 year or 1 year, but loans for more than 3 months and less than 6 months are temporary loans and cannot be counted as short-term loans. Medium-and long-term loans are usually from 1 year to less than 5 years (inclusive), and long-term loans are loans of more than 5 years. The loan risks are different with different loan terms. Therefore, the shorter the loan term, the smaller the interest rate, and the longer the loan term, the greater the risk of lending. In order to reduce the risk, the interest rate of the loan will also increase.

Legal basis: According to People's Republic of China (PRC) Commercial Bank Law, Chinese commercial banks can engage in the following businesses: absorbing public deposits and issuing loans; Handling domestic and overseas settlement, bill discount and issuance of financial bonds; Acting as an agent to issue, honor and underwrite government bonds and buy and sell government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc. According to the regulations, commercial banks are not allowed to engage in securities business and non-bank financial business other than government bonds.