1. Loans secured by intangible assets:

Intangible assets such as trademark exclusive right, patent right and property right in copyright that can be transferred according to law can be used as loan pledge.

2. Natural person secured loan:

Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

3. Bill discount financing:

Bill discount financing means that the holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this financing method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts).

4. Financing lease:

Through financial leasing, enterprises can obtain the required advanced technology and equipment with a small amount of funds, and they can also pay back the rent while producing. For enterprises lacking funds, financial leasing is a good way to accelerate investment and expand production. For some enterprises with overstocked products, financial leasing is a good way to promote sales and expand the market.

Legal basis:

Article 735 of the Civil Law of People's Republic of China (PRC) means that the lessor purchases the lease item from the seller and provides it to the lessee for use according to the lessee's choice of the seller and the lease item, and the lessee pays the rent to the lessor. In the business model of financial leasing, besides the most common direct leasing model consisting of lessor, lessee and seller, there is also a leaseback model, that is, the lessee sells his own property to the lessor, and then rents the leased property back from the lessor through the financial leasing contract, which also constitutes the legal relationship of financial leasing.