Loans are the main business of banks. As long as banks have loan qualifications, they can operate loan business.

Most major banks in China have their own loan products, such as China Construction Bank, Postal Savings Bank, Agricultural Bank, Industrial and Commercial Bank of China, Bank of China, Postal Savings Bank and Bank of Communications. Commercial banks such as China Merchants Bank, China CITIC Bank and Industrial Bank, and local banks such as Hankou Bank and Jiangxi Bank also have their own loan products.

Users can choose loan products according to their actual needs and their own situation when they apply for loans.