Need. Commercial loan is a kind of loan, and store information needs to be provided. It means that banks, credit cooperatives and other institutions lend money to units or individuals, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.