Whether it is short-term borrowing or long-term borrowing, the relevant laws stipulate the loan period. In practice, not all enterprises can make short-term loans, which requires corresponding conditions, and it is enough to meet the conditions. Banks often have certain conditions for issuing short-term loans. It mainly includes: 1, credit line. Credit line is the maximum amount of unsecured loans provided by banks to borrowers. The validity period of the credit line is usually 1 year, but it can be extended 1 year according to the situation. Generally speaking, enterprises can use bank loans at any time within the approved credit limit. However, banks are not obliged to provide all credit lines. If the reputation of the enterprise deteriorates, even if the bank has agreed to provide loans according to the credit line, it may not get loans. At this time, the bank will not bear legal responsibility. 2. Revolving credit agreement. Revolving credit agreement is a loan agreement that banks are legally obliged to provide without exceeding a certain maximum limit. During the validity period of the agreement, the bank must meet the loan requirements of the enterprise at any time as long as the total loan amount of the enterprise does not exceed the maximum limit. When an enterprise enjoys a revolving credit agreement, it usually pays a commitment fee to the bank for the unused part of the loan amount. 3. Compensatory balance. Compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%). From the bank's point of view, the compensatory balance can reduce the loan risk and compensate the loan losses suffered. For borrowing enterprises, the compensatory balance increases the real interest rate of borrowing. 4. Loan mortgage. Banks sometimes need collateral to guarantee loans to enterprises with high financial risks, so as to reduce their loss risk. The collateral of short-term loans is often accounts receivable, inventory, stocks, bonds, etc. of borrowing enterprises. After the bank accepts the collateral, it will decide the loan amount according to the value of the collateral. -The ship is 30% to 90% of the face value of the collateral. The level of this ratio depends on the liquidity of collateral and the risk preference of banks. Therefore, the cost of mortgage loans is usually higher than that of non-mortgage loans. Enterprises that provide collateral to lenders will limit the use of their property and their future lending ability. 5. repayment conditions. There are two repayment methods: one-time repayment at maturity and regular (monthly, quarterly) equal repayment during the loan period. Generally speaking, enterprises do not want to adopt the latter repayment method, because it will increase the real interest rate of loans. Banks don't want to use the former repayment method, because it will increase the financial burden of enterprises and increase the risk of non-repayment of enterprises; At the same time, it will lower the real loan interest rate. Article 197 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.