Spread out completely
As can be seen from the following table, the differences are as follows: the purpose of project fixed assets loans and working capital loans is to solve the capital demand of fixed assets investment activities of enterprises to meet the needs of enterprises, and the short-term capital demand should be reviewed one by one for medium-term loans with a term of 65,438+0-5 years or long-term loans with a term of more than 5 years, short-term loans with a term of 65,438+0 years or medium-term loans with a term of 65,438+0-3 years, and within the time and limit stipulated by banks. After the project is completed, accepted and put into production, cash or enterprise's own funds are mainly the operating income of the enterprise. There are many external factors, uncertain and unstable factors, and the risk is concentrated on the long-term stable income of the borrower, guarantor or mortgagor.
Second, the difference between fixed assets loans and working capital loans?
In the process of daily production and operation, it is inevitable to encounter unexpected situations. At this time, it is necessary to apply for a loan to solve the problem of funding gap. There are two main types of corporate loans, fixed assets loans and working capital loans. Let's look at the difference between these two kinds of loans.
First, the use is different.
Fixed assets loans are used to solve the construction, purchase, transformation and fixed assets investment activities of enterprises.
Working capital loans are used to meet the short-term capital demand in the process of production and operation, and ensure the active production and operation activities.
It can be seen that fixed assets loans help production and operation through the purchase of fixed assets, while working capital loans directly affect the daily production and operation of enterprises, and their uses are different.
Second, the terminology is different.
Medium-term loans or working capital loans with fixed capital of 65,438+0-5 years generally do not exceed 65,438+0 years, and the longest term in special circumstances does not exceed 3 years (including 3 years).
Third, the audit is different.
Fixed assets loan is a capital loan that is applied, examined, examined or issued one by one within the time and limit stipulated by the bank.
Fourth, the risks are different.
The risks of fixed assets loans mainly come from the outside, such as market risk and interest rate risk, while the risks of working capital loans mainly focus on the risks of borrowers, guarantors and collateral.
Three. What are "fixed assets loans and working capital loans"?
Fixed assets loans are loans issued by banks for investment in fixed assets of enterprises. Before the reform of economic system, banks in China only issued loans to the working capital of enterprises, and the fixed assets of state-owned enterprises were allocated by the state finance, while the fixed assets of collective enterprises were raised by enterprises themselves.
In order to meet the needs of economic system reform, from 1979, the People's Bank of China began to provide short-term and medium-term equipment loans for enterprises to increase key equipment with less investment and quick results.
Working capital loan is a loan issued to meet the short-term capital needs of producers and operators in the process of production and operation, and to ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years.
Extended data:
Fixed assets loans are relatively stable and fixed. Loan repayment plans and long-term loans can be included in the budget. You can help buy assets, or you can't afford them. The purchased assets will become loan collateral.
According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, certificates of deposit, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments.
Working capital loans are divided into RMB and foreign currency. The loan term is mainly determined by the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's financial strength. Generally, it does not exceed 1 year, and under special circumstances, it does not exceed 3 years (including 3 years) at the longest.