Traditional credit operation mode

There are three types of loans, namely direct loans, indirect loans and trading loans.

1, direct lending method

Direct loan is a way for banks to directly issue loans to reasonable funds of enterprises in the course of operation.

2. Indirect loan method

It is an indirect way for banks to lend money to enterprises through bill discount.

3. Seller's Buyer's Credit

Seller's credit and buyer's credit are two internationally accepted export credit methods. In order to support and expand exports, strengthen international competition and encourage domestic banks to carry out export credit business, many countries in the world must solve the capital demand of foreign importers to pay for goods.

Among them, the loan provided by domestic banks to domestic exporters (sellers) is called seller's credit, and the loan provided by domestic banks to importers (buyers) or importing banks is called buyer's credit.

Extended data:

Characteristics of loan methods:

1. The loan is used for the payment of spot transactions.

2. The supply of loans changes with the change of enterprise's material inventory, which is manifested in the increase of inventory, the direct increase of loans, the decrease of inventory and the direct decrease of loans.

3. The bank directly provides loans to local purchasing units.

Most bank loans in China are provided in this way. Such as industrial and commercial enterprise production, commodity revolving loans, short-term equipment loan supply, etc.

Baidu encyclopedia-loan method

Baidu Encyclopedia-Buyer's Credit and Seller's Credit