(1) Self-operated loans, entrusted loans and specific loans. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender. Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned commercial banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.

(2) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).

(3) Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued by the borrower's credit. Secured loans refer to secured loans, mortgage loans and pledged loans. Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the borrower undertaking general guarantee liability or joint liability as promised. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). Pledged loan refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.

This way should be regarded as the way of pledge loan. Pledge is also called pledge, that is, the debtor or the third party transfers his movable property to the creditor for possession, and takes the movable property as the guarantee of the creditor's right. When the debtor fails to perform the debt, the creditor has the right to be paid in priority for the sale price of movable property according to law. If it cannot be paid in full after maturity, the bank will confiscate the deposit.