Real economy loans include: what is a real economy loan? Bank credit supports the development of individual economy, which is conducive to invigorating urban and rural economy, improving ownership structure, expanding employment opportunities and meeting people's living needs.

2. What are the physical loans?

Entities include agricultural, industrial, transportation and communication, commercial services, construction, cultural industries and other material production and service departments. Among them, there are large and medium-sized enterprises and small and micro enterprises, all of which are business entities with business licenses. These enterprises often lack funds in their production and business activities, but they apply for credit support from loan banks. The loans obtained by these enterprises are entity loans. On the contrary, loans applied by online stores such as JD.COM, Taobao and Tik Tok are generally called online loans.

3. What are the physical loans?

Real economy loans include: what is a real economy loan? Bank credit supports the development of individual economy and plays an important role in invigorating urban and rural economy, improving ownership structure and people's living needs. At present, the small equipment and facilities needed for the production and operation of urban individual economy are loans with insufficient funds. Banks should give priority to self-financing, supplemented by credit support, treat loans to the real economy differently, give preferential support, give appropriate support, strengthen support for individual economic development, and borrow and pay back ~

4. What are the types of bank loans?

According to different classification standards, there are many types of bank loans:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.

In the General Rules for Loans promulgated by the People's Bank of China in June 1996, the classification of loans is as follows:

(1) Self-operated loans, entrusted loans and specific loans.

1. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way, with risks borne by the lender and principal and interest recovered by the lender.

2. Entrusted loans refer to loans provided by customers such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, amount, term and interest rate determined by customers.

3. The lender (trustee) only charges the handling fee and does not bear the loan risk.

4. Specific loans refer to loans granted by wholly state-owned commercial banks after taking corresponding remedial measures for possible losses caused by loans with the approval of the State Council.

(2) Short-term loans, medium-term loans and long-term loans. short-term loan

1 refers to loans with a loan term of less than one year (including one year).

2. 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).

3. 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.

1. Secured loan refers to secured loan, mortgage loan,.

2. 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), and the borrower promises to assume general guarantee liability or agreed joint and several liability when the borrower cannot repay the loan.

3. 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).

4. Refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).

5. Bill discount refers to the loan issued by the lender by purchasing the unexpired commercial paper of the borrower.