Loans from foreign governments are usually lower in interest rate and longer in term than those from international commercial banks. According to relevant data, foreign government loans are characterized by low interest rate (annual interest rate is generally 2% ~ 4%) and long term (generally 20 ~ 30 years, up to 50 years), but the amount is limited. International commercial bank loan refers to the borrower borrowing funds from foreign banks in the international financial market to support a project.