1. What are the types of short-term loans?

my country’s current short-term loans are divided into several types according to their purpose and use, including production turnover loans, temporary loans, settlement loans, etc. . According to common international practice, short-term loans can also be divided into one-time repayment loans and installment loans according to different repayment methods; Family Finance Management Network can be divided into collection method borrowings, discount method borrowings and interest rate increase methods according to different interest payment methods. Borrowing; depending on whether there is guarantee or not, it is divided into mortgage loan and credit loan, etc.

2. What are the types of short-term loans?

1. Operational revolving loans among short-term corporate loans are corporate loans obtained from banks or other financial institutions because the working capital cannot meet the needs of normal production and operations, also known as production revolving loans or commodity revolving loans. When handling this loan, the enterprise shall submit annual and quarterly borrowing plans to the bank in accordance with relevant regulations. After approval by the bank, the person designated in the borrowing plan shall handle the borrowing according to the loan IOU. 2. Special reserve borrowings in short-term corporate loans refer to the amounts borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of borrowing must be earmarked and the borrowing period shall be determined according to the approved reserve period. 3. Temporary loans among short-term corporate loans are short-term loans that are allocated to enterprises whose normal turnover of funds cannot meet their needs due to seasonal and temporary objective reasons and exceed the amount of production turnover or commodity turnover. The loan period is generally 3 to 6 months and will be repaid according to the accounting period. 4. Pre-purchase deposit borrowing in short-term corporate loans refers to the amount borrowed from banks by commercial enterprises to issue pre-purchase deposits for the purchase of agricultural and sideline products. This kind of loan is issued according to the varieties stipulated by the state and approved plan targets, and is managed in a special account. The loan period shall not exceed one year at most. 5. Settlement borrowings in short-term corporate loans: When the collection and commitment settlement method is used to settle sales payments, the enterprise borrows money to meet the in-transit funds needed after the goods are shipped and before the collection payment is received. If the enterprise collects from the bank within the specified period after delivery (generally 3 days, and the longest in special circumstances shall not exceed 7 days), it can apply for a collection, commitment and settlement loan. The borrowing amount is usually calculated based on the collection amount and an agreed discount rate, which is roughly equivalent to the cost of goods sold plus advance transportation and miscellaneous expenses. After the enterprise's payment is recovered, the bank will deduct the enterprise's loan on its own.

3. What are the types of short-term loans?

The types of short-term loans are as follows:

1. Self-repaying loans

Usually used by companies to purchase inventory and obtain cash from selling the inventory.

2. Working capital loan

Banks provide short-term credit loans to enterprises, with terms ranging from a few days to about a year.

3. Temporary construction

Used to support the construction of permanent buildings.

4. Securities dealer

This kind of loan is held by the dealer. . . The securities are collateral and are of high quality.

5. Asset-backed loans are loans using short-term assets as collateral based on expected returns.

4. What is the general interest rate of short-term debt?

The latest bank loan benchmark interest rate announced by the People's Bank of China: the annual loan interest rate from 0 to 6 months (including June) is 4.35%, from June to 1 year (including 1 year) is 4.35%, 1-3 The rate is 4.75% for 3 years (including 3 years), 4.75% for 3-5 years (including 5 years), and 4.90% for 5-30 years (including 30 years). First of all, the national benchmark interest rate is 4.35%, but the interest rate is different in each place. It also depends on the quality of your qualifications, and the interest rates on credit loans and mortgage loans are also different. The applied business type, credit status, guarantee method and other factors are comprehensively priced. The interest rate of unsecured personal short-term credit loans shall be based on the short-term loan interest rate stipulated by the People's Bank of China, and the increase shall be in accordance with the relevant regulations of the People's Bank of China.

When the interest rate is adjusted during the loan period, the contract interest rate will be applied and interest will not be calculated in installments. If the loan term is less than 6 months, interest will be calculated based on the 6-month interest rate. The starting point for unsecured personal small short-term credit loans is 2,000 yuan, and the loan amount does not exceed 6 times the borrower's average monthly salary income, and the maximum does not exceed 20,000 yuan.