1. loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. By lending money and monetary funds, banks meet the needs of society to expand reproduction and replenish funds, and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of loan management of commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and conduct self-discipline management in accordance with the operating principles of safety, liquidity and efficiency." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover loans within a predetermined period of time or realize loans quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; Benefit is the basis of bank's sustainable operation. For example, providing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the harmony of "three natures" is necessary, so that there will be no problem with loans.

3. Matching principal and interest repayment method: that is, monthly matching repayment, repayment of the sum of loan principal and interest. Housing provident fund loans and commercial personal housing loans have been adopted by most banks. So the monthly repayment amount is the same; Average capital repayment method: refers to a repayment method in which the borrower averagely amortizes the loan amount in each period (month) of the whole repayment period and pays off the loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

4. Pay interest and repay the principal every month: that is to say, the borrower repays the principal of the loan in one lump sum. On the maturity date of the loan (applicable to the loan with a term of less than one year (including one year), the borrower undertakes to pay interest daily and repay the principal and interest every month; Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will be changed, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay the loan in advance: that is, the borrower can repay the loan amount in advance when applying to the bank. After the borrower repays the loan, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures. Pay as you go: daily interest, daily interest. You can pay the money in one lump sum at any time without penalty.