1. Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.

When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

2. Enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.

At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, corporate time pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discount, commercial acceptance bills discount, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.