1. Raw material procurement: to ensure the smooth progress of the production process.

2. Equipment upgrading and maintenance: improve production efficiency and enhance the competitiveness of enterprises.

3. Expand the market: expand the market share.

4.R&D investment: providing power for the sustainable development of enterprises.

First of all, purchasing raw materials is the basic link of enterprise operation. Through operating loans, enterprises can have enough funds to purchase the required raw materials to ensure that the production process is not affected.

Secondly, equipment upgrading and maintenance is of great significance for improving the production efficiency of enterprises. With operating loans, enterprises can solve equipment problems in time and improve production efficiency.

In addition, expanding the market is the key link of enterprise development. Operating loans can provide financial support for enterprises to carry out marketing activities such as market research, product promotion and sales channel expansion, thus helping enterprises to expand market share.

Finally, R&D investment is an important driving force for enterprise innovation and development. Operating loans can provide stable financial support for enterprises and encourage enterprises to invest in technological innovation and research and development.

To sum up, the formal uses of commercial loans include purchasing raw materials, upgrading and maintaining equipment, expanding markets, and investing in research and development, which is of great significance to the stable operation and sustainable development of enterprises.