According to the operation of most banks, there is an additional condition for enterprise loans, that is, the loan enterprise needs to set up its own basic deposit account in the loan bank and use basic deposit account as the loan account. From a purely operational point of view, both basic households and general households can be used as loan accounts, but the purpose of banks is only to carry out some derivative business. Moreover, taking the basic account as the loan account can facilitate the supervision of the credit information system, so it is generally required to take the basic account as the loan account.