First of all, they have different meanings:

1. The meaning of loan: loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

2. The meaning of interest-subsidized loans: interest-subsidized loans refer to special bank loans subsidized by the state or banks for specific purposes.

Second, their roles are different:

1, the role of loans: Banks put concentrated monetary and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. The role of discount loan: discount loan is a kind of preferential loan to encourage the construction of a cause or project. The loan interest can be fully subsidized or partially subsidized. Generally speaking, the principle of who arranges and subsidizes the loan spread is implemented. The subsidized loans arranged by the state are subsidized by the central government; Low-interest loans approved by the People's Bank of China are subsidized by the People's Bank of China; Specialized banks are responsible for low-interest loans.

Third, the application process is different:

1, loan application process:

(1) accepted. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower.

(2) investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness. ?

(3) approval. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee. ?

(4) distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time.

(5) Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help.

(6) Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.

2. Discount loan application process:

(1) Voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to the local human resources and social security departments or microfinance guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates.

(2) Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to microfinance guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a small loan guarantee fund according to relevant regulations.

(3) Commitment. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.

(4) issuing loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that sign cooperation agreements with microfinance guarantee institutions to carry out microfinance business.

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