The commonly used repayment methods of personal loans generally include: matching (principal and interest) repayment method, average capital repayment method, repayment of principal and interest at maturity (loans within one year) and so on. Different loans can choose different repayment methods. When applying for a loan, please confirm your repayment method with the loan handling bank.

Two, according to the purpose of the loan, enterprise credit can be divided into (

Answer c

According to the purpose of loans, enterprise credit can be divided into fixed assets loans, working capital loans, merger and acquisition loans, real estate loans and project financing.

3. How many types of loans are there?

According to the operating nature of the loan, 1. Self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender. 2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk. 3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans. : 1. Short-term loans are divided according to the service life of the loans. Refers to the loan with a loan term of 1 year (inclusive). There are mainly short-term loans for 6 months and 1 year. This kind of loan, also known as working capital loan, occupies a large proportion in the whole loan business and is one of the most important businesses of financial institutions. 2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans. According to the economic nature of the loan subject, it is divided into 1. Loans from state-owned and state-controlled enterprises. 2. Collective enterprise loans. 3. Private enterprise loans. 4. Individual industrial and commercial loans. According to the credit degree of the loan, 1. Credit loan. Refers to the loan issued by the borrower's credit. 2. Guaranteed loan. Refers to secured loans, mortgage loans,. Guaranteed loan refers to a loan issued by a third party, which promises that when the borrower fails to repay the loan, the borrower shall bear the general guarantee liability or joint liability as agreed. Mortgage loan refers to a loan that is mortgaged by the property of the borrower or a third party and issued in accordance with the prescribed mortgage method. , refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the agreed pledge method. 3. Bill discount. Refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper. Divided by 1. Working capital loans are classified according to the professional forms of loans in social reproduction. It can be divided into industrial liquidity loans, commercial liquidity loans and other liquidity loans. 2. Fixed capital loans. Fixed capital loans for large and medium-sized projects are handled by China Development Bank and China Construction Bank. The funds for small and medium-sized projects are not only raised by enterprises and society, but also an important loan business for wholly state-owned commercial banks and other commercial banks. According to the loan quality, 1. Normal loan. Refers to the loan that is expected to have normal turnover within the loan term and can be repaid in full and on time. 2. non-performing loans. Non-performing loans include non-performing loans, sluggish loans and overdue loans. Non-performing loans refer to loans classified as non-performing loans according to the relevant provisions of the Ministry of Finance. Dull loans refer to loans that are overdue (including due after extension) and have not been returned within the prescribed time limit according to the relevant provisions of the Ministry of Finance, or loans that have not been overdue or overdue but whose production and operation have been terminated and projects have been suspended (excluding bad loans). Overdue loans refer to loans that are not due (including those due after extension) as agreed in the loan contract (excluding sluggish loans and bad loans).