1, short-term loan. Short-term loans are loans within 1 year. Short-term loans are divided into two situations: one is interbank borrowing, and the other is loans from banks to non-bank institutions.

2. Medium and long-term loans. Medium-and long-term loans refer to loans with a term of more than 1 year, of which 1~7 years is a medium-term loan; More than 7 years is a long-term loan.

Two. Classification by loan method

1, term loan. Term loan refers to the loan with repayment plan and time specified in the loan agreement, which can usually be divided into one-time repayment of principal and interest and installment repayment of principal and interest.

2. Working capital loan. Revolving loan means that within a certain period of time, as long as the loan balance does not exceed a certain amount, the bank allows the borrower to repay the loan first and then borrow.