The term of 36 loans is usually 36 months, and the number of loan periods is determined according to the number of repayment periods. Usually, 1 month 1 day repays the loan, that is, one month is a repayment cycle.

The loan term shall be determined by the borrower and the lender through consultation according to the production and operation cycle of the borrower, and the repayment ability and the lender's capital supply ability shall be specified in the loan contract. The longest term of self-operated loans generally does not exceed 65,438+00 years, and those that exceed 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the date of discount to the maturity date of the bill.