The types of loans issued by banks to borrowers can be divided into mortgage loans and non-mortgage loans, among which non-mortgage loans can be divided into credit loans and secured loans. Therefore, when banks approve credit, not all loans should be mortgaged. For example, the tax loan introduced by the bank is to give a certain credit line according to the daily tax payment of customers, and there is no need to apply for a mortgage. Therefore, the direct loans of Shanghai and Shenzhen banks are completely normal because of the bank's credit policy and no mortgage.

Two, the bank's commercial loans (that is, direct loans, mortgage projects) and mortgage interest rates are one. ...

It's different. General commercial banks are allowed to float up or down independently according to the benchmark loan interest rate stipulated by the People's Bank of China. General commercial banks adopt risk pricing, that is to say, mortgage loans are secured by collateral, and the general risk is lower than credit loans, so the general interest rate is relatively low. Under special circumstances, such as enterprises with particularly good qualifications, commercial banks will also issue credit loans below the mortgage interest rate in order to compete.

Third, why can direct loans from banks in Shanghai and Shenzhen be lent?

Because the direct loan of Shanghai and Shenzhen banks is a kind of credit loan, it is only lent to people with excellent credit, so there is no need for mortgage.

4. Why is there no mortgage for direct loans from Shanghai and Shenzhen banks?

Because the direct loan of Shanghai and Shenzhen banks is a kind of credit loan, it is only a loan without mortgage.