Bank packaged loan means that banks combine financing products in a specific way and provide them to customers for loan financing to meet their financing needs. Bank packaged loans can design different risk combinations and provide comprehensive financing schemes according to various risks involved in customer needs. The advantage of bank packaged loans lies in customized financing according to customers' specific needs, which makes financing products more in line with customers' needs and helps customers avoid risks better.

Bank packaged loans usually come from different types of financial products and multi-party capital. These funds are combined to form a comprehensive product to meet the different financing needs of customers. This kind of packaging fully mobilized all kinds of funds in the financial market, thus achieving higher flexibility and lower cost. Banks usually optimize packaging products and provide more value-added services to meet the individual needs of different customers according to market conditions.

Bank packaged loans are different from single loans, which contain different types of financial products and form specific financing schemes. Therefore, when banks make packaged loans, they need to grasp the risks and benefits of loans as a whole and make scientific pricing. At the same time, in risk management, banks also need to control and deal with various risk factors. In the actual establishment of packaging loans, more attention is paid to helping customers reduce the cost of capital and meet their diversified financing needs, thus promoting their business development and improving their competitiveness.