At present, the classification standards and types of loans are as follows: (1) 1 classified according to the operating attributes of loans, self-operated loans. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender. 2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk. 3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans. ㈡ 1。 Short-term loans are divided according to the service life of the loans. Refers to the loan with a loan term of 1 year (inclusive). 2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans. (3) According to the economic nature of the loan subject, 1. Loans from state-owned and state-controlled enterprises. 2. Collective enterprise loans. 3. Private enterprise loans. 4. Individual industrial and commercial loans. (4) 1. Credit loan depends on the credit degree of the loan. Refers to the loan issued by the borrower's credit. 2. Guaranteed loan. Refers to guaranteed loans, mortgage loans and pledged loans. Guaranteed loan refers to a loan issued by a third party, which promises that when the borrower fails to repay the loan, the borrower shall bear the general guarantee liability or joint liability as agreed. Mortgage loan refers to a loan that is mortgaged by the property of the borrower or a third party and issued in accordance with the prescribed mortgage method. Pledged loan refers to a loan that is pledged by the movable property or rights of the borrower or a third party and issued in accordance with the stipulated pledge method. 3. Bill discount. Refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper. (v) According to the occupation mode of loan in social reproduction, 1. Working capital loan. 2. Fixed capital loans. (6) Loan for quality use 1. Normal loan. Refers to the loan that is expected to have normal turnover within the loan term and can be repaid in full and on time. 2. non-performing loans. Non-performing loans include non-performing loans, sluggish loans and overdue loans. Non-performing loans refer to loans classified as non-performing loans according to the relevant provisions of the Ministry of Finance. Sluggish loans refer to loans that are overdue (including due after extension) according to the relevant provisions of the Ministry of Finance and are still returned after the prescribed time limit, or loans that have not been overdue or overdue but whose production and operation have been terminated and projects have been suspended (excluding non-performing loans). Overdue loans refer to loans that are not due (including those due after extension) as agreed in the loan contract (excluding sluggish loans and bad loans). (7) According to international practice (degree of risk), bank loans are divided into five grades: normal, concerned, secondary, suspicious and loss, and the latter three types of loans are called "non-performing loans" or "problem loans".