First, the subject is different.

As the name implies, the borrower of personal loan is a natural person, and its concept refers to the local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. The main body of enterprise loans is enterprises registered in Taiwan Province and France. Its concept refers to that enterprises apply for loans from banks or other financial institutions at prescribed interest rates and deadlines for production and operation needs.

Second, the use is different.

Personal loan application can be used for consumption, house purchase, car purchase, decoration, tourism and so on. The purpose of enterprises applying for loans is very clear and single, mostly for business operation or personal consumption of non-business operators.

Third, the types are different.

Personal loans can be divided into personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal securities, personal micro-credit loans, personal non-residential mortgage loans and so on. Because the purpose of enterprise loans is clear, its classification is mainly based on the different loan methods. There are working capital loans, fixed assets loans, credit loans, secured loans, and so on.

Fourth, the conditions are different.

The requirements for individuals to apply for loans are mostly simple, and they need to provide collateral or personal credit, assets, loan purposes, income sources, etc. It should be noted that although personal loans have simple procedures and quick approval, they are generally small in amount, high in interest and short in term. Compared with personal loans, commercial loans need more information and stricter conditions. In addition to the business status and credit of the enterprise, it also needs to look at other comprehensive factors such as the industry and industry policy in which the enterprise is located. Moreover, the enterprise loan procedures are complicated and the approval time is long. However, once an enterprise loan is applied, it usually has a large amount, low interest and long term.

Second, the important feature that distinguishes personal loan business from corporate loan business is ().

D question type: common sense difficulty: easy page number: 1, 2

A loan classification result based on the individual levy standard, that is, one party of the loan contract relationship is a bank and the other party is an individual, which is also an important feature different from the corporate loan business.

3. What's the difference between personal loans and corporate loans?

The difference between personal loans and corporate loans;

1. Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.

When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

2. Enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.

At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, factoring with domestic recourse, and escrow loans for export tax rebate accounts.