1. Credit granting: Generally speaking, a bank gives an enterprise a line with corresponding business types, which can be recovered within a certain period of time.

2. Loan: Generally, it is a one-off behavior, which is divided into narrow sense and broad sense. Banks in a broad sense refer to banks in a narrow sense, namely: working capital loans, fixed assets loans and other physical assets business.

1. Credit term: refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties, and set a good time for this behavior, which is called credit term. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year, and medium-and long-term credit refers to credit for more than one year.

Second, the difference between bank credit and loan.

Credit granting refers to providing credit guarantee for credit granting enterprises within one year. Within this limit, enterprises can make revolving loans, without mortgage and guarantee, and can borrow from banks with credit. You can also not borrow money, for example, provide external guarantee and open a letter of credit. So it is very different from a loan.

3. What is the difference between credit and loan?

There are three differences between credit granting and loans:

First of all, the essence of the two is different:

1. The essence of credit granting: Simply put, credit granting refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties.

2. The essence of loan: refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the principle of the two is different:

1, credit principle:

(1) According to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risks and other factors in different regions, differentiated credit granting shall be implemented.

(2) Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors.

(3) Adjust the credit line to all regions and customers in a timely manner according to the changes of financial risks and customers' credit in all regions.

(4) Within the determined credit line, the amount of each loan and the actual total loan amount are specifically determined according to the actual capital demand, repayment ability, credit policy and the ability of banks to provide loans of local and customers. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks.

2. Loan principle:

(1) Loan security is the primary problem faced by commercial banks.

(2) Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land to meet the needs of customers to withdraw their deposits at any time.

(3) Efficiency is the basis of sustainable operation of banks.

Third, the two ways are different:

1. Credit way: Credit of commercial banks can be divided into two ways: basic credit and special credit.

2. Loan methods: loans in a broad sense refer to loan, discount, overdraft and other ways of borrowing funds.