Demand loan, also known as call loan, is a loan method in which the lending bank does not determine the repayment period when issuing the loan, and can notify the customer to withdraw the loan at any time based on its own capital allocation. Loans from commercial banks can be divided into three categories: current loans, term loans and overdrafts based on term classification. A current loan, also known as a call loan, refers to a loan that has no established loan period and can be withdrawn by the bank at any time or repaid by the borrower at any time. Compared with banks, demand loans have good liquidity, and banks can issue or withdraw them at will depending on the tightness of money. They are one of the good ways for banks to use working capital.