Operating loan is a form of loan that refers to the funds needed for enterprise development. The loan mainly helps enterprises to expand their business scale, enhance their competitive strength and increase their production capacity, so as to further promote the development of enterprises and create more economic value. According to different lending institutions and loan application conditions, the forms of operating loans will be different.

Operating loan is a common enterprise financing tool in domestic banking system. Many small and medium-sized enterprises need operating loans to meet the needs of expanding production and operation, which is also the reason why banks take the initiative to launch operating loans. Usually, banks need enterprises to provide asset mortgage, joint and several liability guarantee or other guarantee methods to reduce the loan risk, and also require borrowing enterprises to provide relevant financial statements and enterprise information.

The interest rate of operating loans is low, and the loan term is flexible, usually one year or three years, or even longer. Enterprises can tailor the loan amount and repayment period according to historical operating data. In addition, operating loans also have special loans such as emerging industries with development prospects and potential, as well as operating loans to meet the daily liquidity needs of enterprises. In China, operating loan is an important way to support the development of enterprises, which has a positive role in promoting the development of small and medium-sized enterprises.