Foreign exchange loans are foreign currency loans issued by banks to enterprises. Foreign exchange loans can be divided into broad sense and narrow sense. In a narrow sense, foreign exchange loans only refer to loans issued by Chinese banks to domestic enterprises by using foreign exchange funds absorbed from domestic enterprises and individuals. Broadly speaking, foreign exchange loans also include international financing loans, that is, loans borrowed by China from abroad and lent to domestic enterprises through designated domestic foreign exchange banks. Foreign exchange loan is an important asset business operated by commercial banks. It is the main means for commercial banks to use foreign exchange funds, strengthen operating mechanism and obtain economic benefits. This is also a major way for banks to contact customers. At present, foreign exchange loans handled by Chinese banks include cash loans, special loans, "three loans" foreign exchange loans (referred to as buyer's credit, government loans and mixed loans), international commercial loans and international syndicated loans.