1. According to the object of loan issuance, bank credit business can be divided into enterprise credit business and personal credit business. Among them, corporate credit business includes project loans, working capital loans, small business loans, real estate enterprise loans and so on. Personal credit business includes personal housing loans, personal consumption loans and personal business loans.

2. According to the loan term, bank credit business is divided into short-term loans, that is, within one year; Medium-term loans, that is, more than one year and less than five years; Long-term loans, loans over five years and other three types;

4, according to the purpose is divided into working capital loans and fixed assets loans. Among them, the working capital loan solves the problem of insufficient working capital in the daily production and operation of the lender, and the project loan is mainly used to meet the capital demand generated in the process of infrastructure construction and technological transformation.

3. According to the guarantee conditions, bank credit business can be divided into three categories: credit loan, secured loan and bill discount.

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Legal basis:

Article 7 of People's Republic of China (PRC) Commercial Bank Law

When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.