(1) Loans are only granted to the governments of member countries;

(2) The loan funds are limited to make up the balance of payments deficit;

(3) The loan scale is related to the loan share;

(4) Special loan method:

(5) The loan term is generally 5-1 years, with a grace period of 3-4 years.

The main features of World Bank loans are as follows:

(1) Loans are widely used;

(2) the loan term is long;

(3) The loan amount is not limited by the shares subscribed by the borrowing country, and the ability to repay is the main consideration;

(4) The borrowing country bears the risk of exchange rate changes;

(5) The loan procedures are strict and the procedures are strict.