More than 1 year and less than 5 years. The medium-term loan interest rate is higher than the short-term loan interest rate. International medium-term credit refers to loans of 1 year and less than 5 years. This kind of loan is a loan agreement signed by both banks. Because this kind of loan has a long term and a large amount, sometimes the lending bank requires the government of the borrower's country to provide guarantee. More than 1 year and less than 5 years. The medium-term loan interest rate is higher than the short-term loan interest rate. International medium-term credit refers to loans of 1 year and less than 5 years. This kind of loan is a loan agreement signed by both banks. Because this kind of loan has a long term and a large amount, sometimes the lending bank requires the government of the borrower's country to provide guarantee. More than 1 year and less than 5 years. The medium-term loan interest rate is higher than the short-term loan interest rate. International medium-term credit refers to loans of 1 year and less than 5 years. This kind of loan is a loan agreement signed by both banks. Because this kind of loan has a long term and a large amount, sometimes the lending bank requires the government of the borrower's country to provide guarantee.