The characteristics of personal loans include:

(1) There are many types and uses of loans: personal loans include personal consumption loans and personal business loans, which can meet the different needs of customers at multiple levels and in all directions.

(2) Loan convenience: customers can learn about and consult the personal loan business of banks through personal loan service centers, online banking and telephone banking; Customers can handle personal loan business in banking outlets, personal loan service centers, financial supermarkets and online banks within their jurisdiction, which provides great convenience for personal loan customers.

(3) Flexible repayment methods: Commercial banks can adopt flexible and diverse repayment methods for personal loans.

(IV) Low capital consumption "Measures for Capital Management of Commercial Banks (Trial)" stipulates that when measuring credit risk-weighted assets under the weight method, the risk weight of individual housing mortgage loans is set at 50%, and the risk weight of other individual claims is set at 75%. However, the risk weight of general corporate loans is currently 100%. Therefore, compared with corporate loans, low capital consumption is the most obvious feature of personal loans.