(1) Measuring the demand for working capital loans is the core guiding ideology of the Interim Measures for the Management of Working Capital Loans. This is mainly due to the frequent payment of working capital loans, fast turnover and high cost of payment control, but the factors affecting the occupation of working capital of enterprises are relatively clear, and the demand for working capital can be reasonably calculated. At the same time, in practice, the misappropriation of working capital loans is mostly because the amount of working capital loans issued by lenders exceeds the actual working capital needs of borrowers. Through the reasonable calculation of working capital loan, it can not only effectively meet the demand of working capital loan for normal operation of enterprises, but also effectively prevent the loan funds from being misappropriated due to the issuance of loans exceeding the actual demand.

(2) The Reference for Calculating the Demand for Working Capital Loans clearly states that the demand for working capital loans is mainly determined according to the difference between the working capital required by the daily production and operation of the borrower and the existing working capital. In the actual estimation process, the borrower's liquidity demand for daily operations is considered first, and then the existing financing and its own funds that can be invested in daily operations are deducted, and the gap is the demand for new liquidity loans. In the process of estimating the demand for working capital, it is also necessary to reasonably predict the occupation of various funds in combination with the actual situation and future development of borrowers; At the same time, consider small business financing, seasonal production, order financing and so on.