At present, the regulatory authorities require that working capital loans must be paid by entrustment, that is, to provide consolidated purchase forms and pay the contracted parties in a targeted manner. Generally speaking, they cannot be used to repay loans from other banks. However, if there is evidence that other bank loans are also working capital loans, and the purposes are in compliance, relevant information of other bank loans, such as loan contracts and accounting vouchers, can be provided to prove that other bank loans are working capital loans.

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; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge. According to the way of use, it can be divided into short-term revolving loans that are applied one by one and audited one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit stipulated by the bank. As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a popular banking business for customers.

Working capital loans are highly liquid and suitable for industrial and commercial enterprises with short-term and medium-term capital needs. Under normal circumstances, according to the loan management policy of "safety, liquidity and profitability", banks make decisions on whether to lend, whether to lend more or less, the loan term and interest rate after investigating and approving the credit status and loan methods of customers. Medium-term working capital loan is suitable for customers with normal production and operation, good growth, marketable products, profitable operation, no bad credit record and high credit rating. Customers who can provide full low-risk guarantee are not restricted by credit rating. A written loan application and a resolution of the board of directors agreeing to apply for a loan (if necessary); Articles of association, business license and certificate of legal representative; Financial statements of enterprises; Proof of loan purpose (such as purchase and sale contract); Guarantee and collateral information; Loan card; And other information that the bank deems necessary. Working capital loans can be divided into credit loans, third-party secured loans, mortgage loans and pledge loans according to their different guarantee methods. According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, pledge loans, 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.