Loan type
(1) Operating revolving loan: also called productive revolving loan or commodity revolving loan. Loans obtained by enterprises from banks or other financial institutions because their working capital cannot meet the needs of normal production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans can handle loans with loan receipts.
(2) Temporary loans: short-term loans that the normal working capital of an enterprise cannot meet the needs due to seasonal and temporary objective reasons and exceed the turnover of production or commodities. Temporary loans are subject to the "one-by-one nuclear loan" method. The loan term is generally 3 to 6 years, used according to the specified purposes and returned according to the accounting period.
(3) Settlement loan: when the sales payment is settled by collection and acceptance, the enterprise borrows money to solve the funds needed in transit after the goods are issued and before the payment is received. If an enterprise collects money from the bank within the specified time limit after delivery (usually 3 days, but not more than 7 days in special circumstances), it may apply for collection and acceptance to settle the loan.
The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of selling goods plus prepaid transportation and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.
(4) Seller's credit: the products are included in the national plan, and the enterprises with the leading quality in the whole country apply to the bank for installment payment, resulting in loans with insufficient production and operation bonuses. This kind of loan should be repaid in installments according to the repayment progress, and the term is generally 1 to 2 years.
(5) Pre-purchase margin loan: money borrowed from banks by commercial enterprises for issuing pre-purchase margin for purchasing agricultural and sideline products. Such loans are issued according to the varieties stipulated by the state and the approved plans, and special account management is implemented. The longest loan term shall not exceed 1 year.
(6) Special reserve loan: the money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.
(7) Discounted bills loan: In case of operating turnover difficulties, the loan for applying for discounted bills generally does not exceed 3 months. If the current loan amount is generally the floating face value after deducting the discount interest, then the discount loan interest is the bill discount interest, which is deducted by the bank first when discounting.
(8) Personal credit loans: Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees.
Extended data:
Loan term and interest rate
(1) The term of personal small short-term credit loan is less than 1 year (inclusive).
(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.
(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years.
The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
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