非循环借款是什么意思：理解借款的分类与特点

在金融领域中，借款可以分为循环借款和非循环借款两种类型。本文将详细解释非循环借款的含义、特点及与循环借款的区别，帮助您更好地理解这一金融概念。

中文：

非循环借款，顾名思义，是指借款人在一定期限内只能使用一次或几次的借款。一旦借款期限届满，借款人必须按照约定的方式还款。这种借款方式通常需要借款人提供担保或抵押品，以确保在借款人无法偿还的情况下，债权人能够通过处置担保物来收回资金。

与循环借款相比，非循环借款的特点在于其使用次数和期限的限制。循环借款则允许借款人在一定期限内多次使用，且在期限内可以随时还款和再次借款。这种借款方式通常用于短期资金需求，例如日常运营资金或短期投资项目。

英文：

Non-revolving loan, as the name suggests, refers to a loan that a borrower can use only once or several times within a certain period. Once the loan term expires, the borrower must repay the loan in the agreed manner. This type of loan usually requires the borrower to provide collateral or guarantees to ensure that in case of default, the creditor can recover the funds by disposing of the collateral.

Compared with revolving loans, non-revolving loans are characterized by limitations on the number of times and duration of use. Revolving loans, on the other hand, allow borrowers to use the funds multiple times within a certain period and repay and re-borrow at any time during the term. This type of loan is usually used for short-term funding needs, such as daily operating funds or short-term investment projects.