1. The difference between lending and borrowing is as follows:

(1) interbank lending and interbank lending are included and included. The main form of interbank lending is interbank lending; In addition, there are lending and refinancing; Specifically, it includes three forms: interbank lending, refinancing and refinancing.

(2) Different time periods;

(3) the purpose is different.

2. Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC).

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

Second, what is the limitation period of the loan?

The limitation of action for borrowing money is generally three years, the longest is twenty years, and the limitation of action for requesting protection of civil rights from the people's court in accordance with relevant laws is three years; Where there are other provisions in the law, those provisions shall prevail; The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it; Where there are other provisions in the law, those provisions shall prevail; However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.