Industrial and commercial loans are the largest loans in the loan business of commercial banks and belong to wholesale loans. In China, industrial and commercial loans are the main loan types of commercial banks. Industrial and commercial loans can generally be divided into three categories:

1. Short-term working capital loans, also known as seasonal working capital loans, are short-term loans to support the temporary or seasonal demand of industrial and commercial enterprises for general working capital.

2. Long-term liquidity loans are medium-term loans, which are mainly used for the turnover needs of long-term liquidity of industrial and commercial enterprises;

3. Project loan is a long-term loan, which is usually used for high-risk and high-cost construction projects, and the loan amount is huge.