That's right. Fixed assets loans usually refer to loans used to purchase, build and expand fixed assets of enterprises. This kind of loan is characterized by large amount, long term and high risk. For fixed assets loans, banks generally use mortgage, pledge and other guarantee methods to ensure the safety of loans. Under some special circumstances, banks can also consider taking credit for fixed assets loans. For example, for enterprises or individuals with good credit records and high credibility, banks can decide whether to provide credit loans according to their credit status and repayment ability. However, the credit conditions and requirements of fixed assets loans are usually very strict, and some conditions need to be met, such as high credit rating, stable income source and good credit record.