1, comprehensive credit line

Banks grant a certain amount of credit lines to some enterprises with good operating conditions and reliable credit, and enterprises can recycle them within the validity period and credit line.

2. Credit guarantee loan

The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems.

3. Buyer's loan

The products of an enterprise have a reliable market, but in the case of insufficient capital, poor financial management foundation and difficulty in providing collateral or seeking third-party guarantee, the bank can provide loan support to the buyers of its products according to the sales contract.

4. Joint cooperative loans in different places

In the process of producing cooperative products, it is necessary to supplement production funds. You can find a lead bank to provide loans to the group company in a unified way, and then the group company will provide the necessary funds to the cooperative enterprise, and the local bank will cooperate with the contract supervision. It can also be jointly provided by the lead bank and the cooperative enterprise's banks in different places to provide loans respectively.

5. Project development loans

Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements.

6. Export loans

For enterprises that produce export products, banks can provide packaged loans according to export contracts or credit visas provided by importers. Enterprises with cash accounts can provide foreign exchange mortgage loans. Enterprises with foreign exchange income sources can obtain RMB loans with proof of foreign exchange settlement. Enterprises with good export prospects can also borrow a certain amount of technical transformation loans.

7. Loans guaranteed by natural persons

Industrial and Commercial Bank of China has launched the business of guaranteed loans for natural persons. In the future, when domestic institutions of China Industrial and Commercial Bank handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee.

8. Personal entrusted loans

Loans provided by individuals and issued, supervised, used and recovered by commercial banks according to the loan object, purpose, amount, term and interest rate determined by the clients.

9. Loans secured by intangible assets

According to the relevant provisions of the Guarantee Law of People's Republic of China (PRC), intangible assets such as trademark exclusive right, patent right and property right in copyright that can be transferred according to law can be used as loan pledge.

10, bill discount financing

Bill discount financing means that the holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this financing method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts).

1 1, finance lease

Financial leasing is a new financing method integrating credit, transaction and leasing, which is characterized by the separation of ownership and use right of the leased property. After equipment users take a fancy to a certain equipment, they can entrust a financial leasing company to buy it, and then deliver the equipment to the enterprise in the form of leasing.

12, pawn financing

Pawn financing is a kind of financing method to obtain temporary loans in the form of physical ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans.