Compared with the production of general products, the reproduction of fixed assets has the characteristics of large scale and long production cycle, so the loan period of fixed assets loans is also longer than that of general short-term loans.

2. Dual planning

Fixed assets loan projects should not only be included in the national fixed assets investment plan and have construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.

3. Management continuity

The supervision and management of working capital loans is generally limited to the production or circulation process, while fixed assets loans should be managed not only during the construction process, but also after the project is completed and put into operation until all principal and interest are paid off.