1. Credit can be divided into corporate customers (corporate customers) and natural person customers (individual customers) according to the credit object. 2. According to the term, it can be divided into short-term credit business with a term of one year (including one year); Medium-term credit business with term 1 to 5 years (including 5 years); Long-term credit business with a term of more than 5 years. 3. According to whether guarantee is provided, it can be divided into credit business handled by credit and credit business handled by guarantee. The guarantee methods include guarantee, mortgage and pledge. 4. According to the classification of accounting: on-balance sheet credit business and off-balance sheet credit business. On-balance-sheet credit business: mainly including loans and commercial paper discounting. Off-balance-sheet credit business: mainly including acceptance, guarantee and letter of credit of commercial bills.