In principle, the formula of "new working capital loan amount = working capital amount-borrower's own funds-existing working capital loan-working capital provided by other channels" is still applicable. But the term rationality of medium-term floating loans is really a big problem. The use of working capital generally does not exceed one year. Unless the production cycle of this enterprise is particularly long, such as the production and sales of customized goods; Or the payment cycle is particularly long, resulting in accounts receivable can not be reversed once a year. Otherwise, the rationality will be questioned. This question first involves the specific situation of the customer, so you should ask your leader. Secondly, you should ask the risk management department to understand the situation in the policy document; Ask the loan officer. In essence, whether the demand for medium and long-term loans is reasonable depends first on the industry, its position in the industry and its own assets. It is best for water supply enterprises not to borrow money because it is too difficult for banks to approve it. Off-balance sheet proposal.