Cooperative loan usually refers to the cooperation of several banks to provide loans to a company, which can be divided into two types:

1. The company and the bank sign loan contracts respectively, and different loan amounts and loan interest rates can be stipulated in the contracts;

2. A number of banks send a representative to negotiate with the company, and only sign a loan contract, agreeing on the same loan interest rate, but the loan amount can be different.

The difference between joint loan and syndicated loan

1, joint lending banks are independent of each other, while syndicated loans are unified, with lead banks and correspondent banks;

2. Joint loan banks sign contracts with enterprises respectively, and the amount and interest rate agreed in the contracts may be different, and the loan amount of syndicated loans may be different, but the interest rate is unified;

3. Joint loan banks need to collect materials separately, and the review is cumbersome, while syndicated loans are reviewed according to the enterprise information provided by the lead bank;

4. Joint loan Each bank manages its own loan separately, while syndicated loans are managed by the agent bank.