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        哈爾濱銀行 harbinbank

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        流動資金貸款

        來源: 作者:系統管理員 發布時間:2016年09月08日 點 擊:

          

          流動資金貸款人民幣流動資金貸款是為滿足客戶在生產經營過程中短期資金需求,保證正常生產經營活動進行而發放的貸款。

          按貸款期限可分為一年期以內的短期流動資金貸款和一年至三年期的中期流動資金貸款;按貸款方式可分為擔保貸款和信用貸款,其中擔保貸款又分保證、抵押和質押等形式;按使用方式可分為逐筆申請、逐筆審貸的短期周轉貸款,和在銀行規定時間及限額內隨借、隨用、隨還的短期循環貸款。

          業務特點:

          人民幣流動資金貸款作為一種高效實用的融資手段,具有貸款期限靈活、周轉性較強、融資成本較低,能夠滿足借款人臨時性、短期和中期流動資金需求。

          適用對象:

          經工商行政管理機關(或主管機關)核準登記,實行獨立核算的企事業法人和其他經濟組織。

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