确定贷款期限,是贯彻贷款按期归还原则的关键。贷款能否按期归还,一方面取决于企业能否按计划进行生产和经营;另一方面也和贷款期限计算准确与否息息相关。目前,一些企业向银行申请贷款时,往往由于对还款期限估计不准,贷款不能按时归还,还要加收逾期罚息。这不仅冲击了银行信贷计划,也增加了企业利息支出。贷款期限的确定,是银行信贷部门根据企业反映的经营情况,在企业《借款申请书》提出的贷款期限的基础上研究确定的。因此,企业计算贷款期限的准确与否是个关键问题。下面介绍两种工商企业发放、收回最为频繁的流动资金贷款期限的计算方法。 Determining the term of a loan is the key to implementing the principle of returning the loan on schedule. Whether the loan can be repaid on schedule depends on whether the enterprise can produce and manage the project as planned; on the other hand, it is closely related to whether the loan term is calculated accurately or not. At present, some enterprises apply for loans to banks, often due to the estimated repayment period is not allowed, the loan can not be returned on time, but also subject to overdue penalty. This not only affected the bank credit plan, but also increased corporate interest expenses. The term of the loan is determined by the bank credit department based on the operating conditions reflected by the enterprise and on the basis of the loan term proposed by the enterprise’s “loan application”. Therefore, it is a key issue for enterprises to calculate the loan deadline accurately. Here are two kinds of business enterprises to issue, recover the most frequent method of calculating the term of working capital loans.