The purpose of the loan refers to the specific destination of the loan. It reflects which aspect of capital demand the loan is used to solve in production and business activities, which production factors the loan is combined with, and which part of the reproduction process the loan is used for.

Loans are divided into consumer loans and commercial loans. Commercial loans have short service life, high interest rate and long service life. Mainly used for personal consumption, including personal car purchase, decoration, travel, going abroad, buying furniture, etc.