The process of state-owned employees lending to banks is the same as that of non-state-owned employees, but state-owned employees have the advantage of lending and can apply for unsecured loans from banks.

It is easy for employees of state-owned enterprises to apply for unsecured loans, because such customers have stable jobs and high expected income, and lending institutions often classify them as high-quality customers and are willing to lend.

However, if you are an employee of a state-owned enterprise but your salary is not very high, you still need to choose the right institutions and products when applying for an unsecured loan, so as to ensure the success of the loan. However, we should pay attention to the problem of interest rate and avoid the phenomenon of non-repayment.