The types of bank loans include: 1, self-operated loans, entrusted loans and specific loans. 2. Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year. Medium-term loans refer to loans with a loan term of more than one year and less than five years. Long-term loans refer to loans with a loan term of more than five years. 3. Credit loans, secured loans and discounted bills credit loans.

legal ground

Article 7 of the General Principles of Loans: Self-operated loans, entrusted loans and specific loans: Self-operated loans refer to loans in which the funds raised by the lender in a legal way are distributed independently, the risks are borne by the lender, and the principal and interest are recovered by the lender. Entrusted loans refer to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, term and interest rate determined by the principals. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned commercial banks after they have been approved by the State Council and taken corresponding remedial measures.