1. Compared with the production activities of general products, the reproduction activities of fixed assets with long loan term have the characteristics of large scale and long production cycle. Therefore, the loan period of fixed assets loans is also longer than that of ordinary short-term loans.

2. The dual-plan fixed assets loan project should not only be included in the national fixed assets investment plan and have the construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.

3. Management continuity The supervision and management of general working capital loans is limited to the production or circulation process, while fixed assets loans need to be managed not only during the construction process, but also after the project is completed and put into production until all principal and interest are paid off.