Innovative financing mode of small and medium-sized enterprises: buyer's loan; Project development loan; Personal entrusted loan; Loans secured by intangible assets; Comprehensive credit; Credit guarantee loan; Loans for earning foreign exchange through export; Bill discount financing; Financial leasing; Natural person guaranteed loan; Joint cooperative loans in different places; Pawn financing.

legal ground

"People's Republic of China (PRC) SME Promotion Law" Article 18

The state improves the multi-level capital market system, promotes equity financing through multiple channels, develops and regulates the bond market, and promotes direct financing of small and medium-sized enterprises in various ways.

Article 19

The state improves the secured financing system and supports financial institutions to provide secured financing for small and medium-sized enterprises with accounts receivable, intellectual property rights, inventories, machinery and equipment, etc.