Legal analysis: Personal business loan refers to the loan issued by the bank to the borrower for the borrower's working capital turnover, purchasing or updating business equipment, paying the rent of leased business premises, decorating commercial housing and other legal production and business activities. Lenders are China citizens (excluding XX residents) who are in line with our personal business loan policy and have full capacity for civil conduct, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. The operating loan amount is higher: for example, the loan amount of China Merchants Bank's personal operating loan can reach up to 30 million; China Industrial and Commercial Bank RMB 6,543,800+million. Small and micro enterprise loans are generally a difficult topic in the financing of small and micro enterprises at the national policy level. Banks are also cautious about lending to small and micro enterprises, because the business processes of small and micro enterprises are often not transparent, and banks need to bear a high risk of default. Therefore, small and micro enterprise loan is a concept word, not a loan method.

Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.