(1) According to whether the loan is responsible for recovering the principal and interest, it is divided into self-operated loans, entrusted loans and specific loans.
(2) Loans can be divided into short-term loans, medium-term loans and long-term loans according to different service periods.
(3) According to the degree of loan guarantee, it can be divided into credit loans, secured loans and discounted bills loans. Secured loans can be divided into secured loans, mortgage loans and pledged loans.
(4) According to the economic sector to which the loan object belongs, it can be divided into industrial and commercial enterprise loans, agricultural loans, transportation enterprise loans, tourism service loans, science and technology loans and consumer loans.
(5) According to the loan currency, it can be divided into RMB loans and foreign exchange loans.
(6) According to the risk degree of the loan, it is divided into five types: normal, concerned, secondary, suspicious and loss.