Project loans are generally medium and long-term loans, and there are also short-term loans for the purpose of temporary turnover of the project. At present, ICBC's project loans are divided into the following types according to the nature of the project, purpose, enterprise nature and different stages of product development and production.

1. Capital construction loan: refers to the loan approved by the competent department of the state for capital construction such as infrastructure, municipal works, service facilities, and new and expanded productive projects.

2. Technical transformation loan: refers to the loan granted for the technical transformation projects of existing enterprises focusing on expanding reproduction.

3. Science and technology development loan: refers to the loan granted for the research and development of new technologies and new products and the transformation or application of scientific and technological achievements to the production field.

4. Commercial outlet loan: refers to the loan that commercial, catering and service enterprises apply to the bank for expanding outlets, improving service facilities and increasing storage area when the self-raised construction funds are insufficient.

In order to fully meet the needs of different customers, the bank has also developed project loans such as temporary revolving loans and M&A loans.

Project loans are classified according to the nature of the project, the purpose, the nature of the enterprise and the different stages of product development and production, and can be mainly divided into the following loan types:

M&A loan: It is a loan issued to meet the financing needs arising from the paid merger and acquisition of other domestic enterprises and institutions, completed projects and asset-debt restructuring by domestic dominant customers in the process of restructuring. M&A loan is a special form of project loan.

6. Real estate loans: including enterprise real estate business and personal housing consumption loan business. Only the enterprise real estate business is introduced here, including commercial housing development loans, enterprise commercial housing loans, student apartment construction loans, and equipment investment loans of construction and installation enterprises.

7. Project financing

It refers to a kind of debt financing without recourse or limited recourse obtained by taking the assets, expected income or rights and interests of the project as collateral.

Product use: used for financing infrastructure projects and other construction projects with large investment scale and long-term stable expected income.