Credit line refers to the scope of borrowing projects within a certain credit line. Within this credit limit, borrowers can borrow money at any time as needed, without having to reapply for credit every time. The advantage of this credit method is that borrowers can use funds more flexibly to meet different financial needs, and financial institutions can manage loan risks more effectively.

There are many types of credit, mainly including non-circulating credit and circulating credit. Non-circulating credit is a one-time credit provided to borrowers within a certain period of time, which is usually used for specific projects or occasions. Revolving credit is to provide relatively flexible short-term loans to borrowers according to a certain amount, which can be used at any time, partially withdrawn and repaid in time. At the same time, revolving credit can also set different interest rates according to the borrower's loan demand, so as to meet the borrower's capital use demand more flexibly.

There are many factors to be considered under the credit line, the most important of which is the credit line and the loan interest rate. Credit line is the highest limit provided by financial institutions to borrowers, which usually needs to be evaluated according to the borrower's credit rating, repayment ability and the specific purpose of the required credit. The loan interest rate is the cost that the borrower needs to pay for the use of funds, and it also needs to be determined according to the borrower's credit rating, repayment history and market interest rate. In addition to these factors, many factors need to be considered, such as credit period, guarantee requirements, repayment methods and so on. To ensure that borrowers can meet the needs of capital use and ensure the risk control of financial institutions.