Question 1: What is a working capital loan? Working capital loan is a loan issued to meet your short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge. According to the way of use, it can be divided into short-term revolving loans that are applied one by one and audited one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit stipulated by the bank. As an efficient and practical financing method, working capital payment has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a popular banking business for customers. To put it bluntly, it is the liquidity needed for operation.

Question 2: What is the difference between fixed assets loans and working capital loans? What are the purposes of fixed assets loans and working capital loans to solve the capital demand of fixed assets investment activities of enterprises and meet the needs of enterprises? Short-term capital demand The medium-term loans with a term of 65,438+0-5 years or long-term loans with a term of more than 5 years, short-term loans with a term of 65,438+0 years or medium-term loans with a term of 65,438+0-3 years should be reviewed one by one, and the applications should be reviewed one by one, or at the time and time specified by the bank. The repayment source of working capital loan amount After the project is completed, accepted and put into production, cash or enterprise's own funds are mainly the risk of enterprise's operating income. There are many external factors, uncertainties and unstable factors, and the risks are mainly concentrated in the long-term, stable income, short-term and medium-term income of the borrower, guarantor or mortgagor.

Question 3: What is a working capital loan? Who told you about working capital?

Question 4: What is the difference between working capital loan and project loan? Working capital loan refers to the loan issued by the lender to meet the working capital demand of enterprises and institutions in the process of production and operation due to temporary, seasonal or expanded scale. Features: The term of working capital loan can be flexibly arranged according to the specific needs of customers, which can be divided into three types: temporary, short-term and medium-term, with a maximum of 5 years. Short loan cycle, short approval time, strong liquidity and low financing cost. Project loans refer to loans issued by commercial banks to borrowers for new construction, expansion, transformation, development and purchase of fixed assets investment projects. Project loan refers to the loan with a loan term of more than one year, which is specially used for business or public welfare investment projects. The loan amount generally does not exceed 70% of the total investment of the project, and the loan period generally does not exceed 10 year.

Question 5: What is the working capital loan of ICBC? Working capital loan is a loan issued to meet the temporary and seasonal capital demand in the process of production and operation of enterprises and ensure the normal production and operation activities. Working capital loan has the characteristics of flexible term, which can meet the temporary, short-term and medium-term working capital needs of enterprises. According to the term, they can be divided into three categories: temporary working capital loans, short-term working capital loans and medium-term working capital loans.

Question 6: What are the definitions of credit, productive loan and working capital loan? Credit is an economic lending behavior. It is a unilateral value transfer on the condition of repayment and interest payment. Bank credit belongs to an economic category of credit, which refers to the lending activities of banks as financial intermediaries. Banks gather funds in various forms within the social scope and distribute them within the social scope to support the capital needs of enterprises' business activities.

Productive loans, as the name implies, are loans granted to enterprises for production needs.

Working capital loan is a loan issued to solve the borrower's short-term working capital demand. (The exact definition is really hard to find)

Question 7: What are "fixed assets loans and working capital loans"? According to the different purposes of loan funds, loans can be divided into fixed assets loans and working capital loans. Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for the construction, purchase and transformation of fixed assets projects and the long-term principal loans for the construction of corresponding supporting facilities. The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation. Working capital loan is a loan issued to meet people's short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years. As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost.

Question 8: What purpose can the enterprise working capital loan be used for? What purpose can't the enterprise working capital loan be used for?

In order to meet the short-term capital demand of enterprises in the process of production and operation, lending institutions have launched the enterprise working capital loan business. So, what is a working capital loan? What can it be used for? Are there any restrictions?

The so-called working capital loan refers to a loan issued by a lending institution to an enterprise (institution) legal person or other organization stipulated by the state, which can be used as a borrower for the daily production and operation turnover of the borrower.

According to the Interim Measures for the Management of Working Capital Loans (hereinafter referred to as the "Measures"), the lending institution shall agree with the borrower on a clear and legal loan purpose when granting this loan.

It is reported that working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and purposes prohibited by the state from production and operation. In addition, this loan shall not be misappropriated, and the lending institution shall inspect and supervise the use of working capital loans according to the contract.

The use of working capital loans

The use of working capital loans

According to the Interim Measures for the Management of Working Capital Loans, the lender should agree with the borrower on a clear and legal purpose of the loan.

Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state.

The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract.

To apply for a working capital loan, the following conditions shall be met:

(1) The borrower is legally established;

(2) The purpose of the loan is clear and legal;

(3) The production and operation of the borrower are legal and compliant;

(four) the borrower has the ability to continue to operate and has a legal source of repayment;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Lenders should put forward requirements on the methods and specific contents of application materials for working capital loans, and require borrowers to abide by the principle of honesty and trustworthiness, and promise to provide authentic, complete and effective materials.

The lender shall conduct due diligence by combining on-site and off-site methods, form a written report, and be responsible for the authenticity, completeness and effectiveness of its contents. Due diligence includes but is not limited to the following:

(1) Organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower;

(2) The business scope, core business, production and operation, business planning and major investment plans of the borrower during the loan period;

(3) the industry status of the borrower;

(four) the borrower's accounts receivable, accounts payable, inventory and other real financial conditions;

(5) The borrower's total working capital requirements and existing financing liabilities;

(6) Related parties and related transactions of the borrower;

(seven) the specific purpose of the loan and the use of the counterparty's funds related to the loan purpose;

(8) Sources of repayment, including cash flow, comprehensive income and other lawful income generated by production and operation;

(9) For secured working capital loans, it is necessary to investigate the ownership, value and realization difficulty of the collateral, or the guarantee qualification and ability of the guarantor.

Product definition

Working capital loans refer to loans issued by the Bank to enterprises, institutions, legal persons or other economic organizations for their normal production and operation turnover or temporary capital needs.

According to the term, it is divided into short-term working capital loans within one year (inclusive) and medium-term working capital loans from one year to three years. According to whether guarantee is provided, it can be divided into guarantee loan and credit loan, among which guarantee loan is divided into guarantee loan, mortgage loan and pledge loan; According to the usage mode, customers can apply for a single loan or offline loan one by one, that is, within the loan amount, enterprises can apply for withdrawal at any time, so long as the agreed conditions are met in advance, they can withdraw loans without applying for loans separately.

Question 9: What liquidity loans are there in China? What do you think is the score?

By loan term: short-term working capital loan

Medium-term working capital loan

Long-term liquidity loan

Or: short-term and medium-and long-term

There are some other points:

1. Temporary working capital loan: The term is within 3 months (inclusive), which is mainly used for the temporary capital demand of enterprises to purchase goods at one time and to make up for the shortage of other payment funds.

2. Short-term working capital loan: the term is from 3 months to 1 year (excluding 3 months, including 1 year), which mainly meets the working capital needs of enterprises in normal production and operation.

3. Medium-term working capital loan: the term is 1 to 3 years (excluding 1 year, including 3 years), which is mainly used for the capital needs of normal production and operation of enterprises.

If classified according to five grades, it is normal, concerned, secondary, suspicious and lost. But I don't think it will be classified according to five categories, right? There's nothing better.

Question 10: What's the difference between current loans and working capital loans? Working capital loan refers to the loan issued by the bank to solve the problem of insufficient working capital of production and operation enterprises.

Loan target: All enterprises that meet the requirements of bank liquidity mutual loan, such as industry, commerce, construction and installation, transportation, material supply and marketing, tourism, joint ventures, Sino-foreign joint ventures, etc., can apply for liquidity loans from banks after being approved and registered by the administrative department for industry and commerce and obtaining the Business License of Enterprise as a Legal Person.

What does it mean for BOC Fu Deng to renew its loan and not repay it?

Extend the original loan term.

Renewing the loan without repayment of the principal means that when the loan expires, the lender will go to the lending institution to go through the mortgage formalities and extend the original loan term, so the lender can continue to borrow the principal as long as it pays off the interest, so it is also called deferred loan and extended loan.

General short-term working capital loans are suitable for this scheme, which is a preferential scheme determined by bank financial institutions after investigation and research on enterprises. After the enterprise loan expires, there is no need to repay the principal, and the bank will directly issue new loans.

What is a working capital loan?

Working capital loan is a loan to meet the short-term (temporary, seasonal) capital demand of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.

Working capital loan has the advantages of short loan period, simple procedures, strong turnover and low financing cost. Suitable for industrial and commercial enterprise customers with short-term and medium-term capital needs.

Extended data:

I. To apply for a working capital loan, the following conditions shall be met:

1. The borrower is legally established;

2. The purpose of the loan is clear and legal;

3. The borrower's production and operation projects are legal and compliant;

4. The borrower has the ability to continue to operate and has a legal source of repayment;

5. The borrower's credit status is good, and there is no significant or bad credit record.

Second, the calculation method of liquidity loan demand:

1. Estimate the working capital of the borrower;

2. Estimate the amount of new working capital loans;

3. Other factors, such as actual situation and future development, related customers, etc.

Three. Working capital loan survey items:

1. Credit status, organizational structure, corporate governance, internal control and legal representative of the borrower's management team;

2. The borrower's business plan and main investment plan, core business, production and operation, and business scope during the loan period;

3. The real financial situation of the borrower, including accounts receivable and accounts payable.