Personal business loan refers to the loan issued by the bank to the borrower for the borrower's liquidity turnover, purchase or update of business equipment, payment of rent for leased business premises, decoration of commercial housing and other legal production and business activities. The process includes consulting, submitting materials, signing contracts, granting loans according to procedures after review, returning loans, and canceling mortgages after liquidation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate. According to the different purposes of loans, personal business loans can be divided into personal business special loans and personal business working capital loans.