In order to help enterprises broaden financing channels, improve their financial situation, expand their business scale, improve production and operation efficiency and promote enterprise development, banks provide credit loans to enterprises with overdrafts in real estate, current assets, fixed assets and corporate accounts. Credit loans issued by banks to enterprises can help enterprises improve the liquidity and efficiency of capital use, meet the short-term and long-term capital needs of enterprises, improve their financial situation and improve their economic benefits.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.