Term of working capital loan: temporary loan: within 3 months (including 3 months); Short-term loan: the term is between 3 months and 1 year (inclusive); Medium-term loan: the term is between 1 year and 3 years (inclusive). The term of the working capital loan shall be determined by the borrower and the borrower through consultation, generally not exceeding 65,438+0 years, and not exceeding 3 years in special circumstances.

Article 16 of the Interim Measures for the Management of Working Capital Loans

The lender shall calculate the borrower's working capital demand according to its business scale, business characteristics, accounts receivable, inventory, accounts payable, capital cycle and other factors (see Annex for calculation method), and comprehensively consider the borrower's cash flow, liabilities, repayment ability, guarantee and other factors to reasonably determine the loan structure, including amount, term, interest rate, guarantee and repayment method.