Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business.

Personal loans provided by banks are different, generally including the following: personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal securities pledge loans and personal micro-credit loans.