Credit assets are also called credit business or loan business, which means the most important asset business of commercial banks. Recover the principal and interest by lending, and make a profit after deducting the cost. Therefore, credit is the main means of profit for commercial banks, including credit business, loan business and guarantee business. The loan term of commercial banks can be divided into three types: one is short-term loans with a term less than 1 year. Second, medium-term loans with a term of more than 1 year and less than 5 years. Third, long-term loans refer to loans with a term of more than five years.

Loan types: According to different loan subjects, loans can be divided into three types: self-operated loans, entrusted loans and specific loans. Among them, entrusted loan means that the client provides funds, and the bank, as the trustee, handles the loan formalities according to the object, purpose, amount, term and interest rate specified by the client, and only charges the handling fee and does not bear the loan risk.

Specific loans refer to loans granted by wholly state-owned banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans. According to the borrower's credit, loans can also be divided into credit loans, secured loans, discounted bills and other types.

According to the different purposes of loans, they can be divided into working capital loans, fixed assets loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, all borrowers should provide guarantee, except those who are examined, evaluated and confirmed by the lender to have good credit standing and can repay the loan.