1. Personal loan:
Personal consumption loan: this kind of loan is usually used to support personal daily life and consumption needs, including the purchase of durable goods such as cars, home appliances and furniture, as well as vacation, education and medical expenses.
Personal mortgage loan: Personal mortgage loan takes personal real estate or other valuable assets as collateral, which is usually used for house purchase, house maintenance and decoration.
Personal credit loans: Personal credit loans usually have no specific use restrictions, and borrowers use funds according to their own needs, such as debt repayment, investment, tourism, etc. This kind of loan usually depends on personal credit score.
2. Corporate loans:
Commercial loans: These loans usually provide financial support for the business activities of enterprises, including working capital loans, inventory financing, equipment purchase loans, etc.
Investment loan: enterprises can borrow money for investment projects, such as expanding production capacity, developing new products and marketing.
Trade financing: this kind of loan is used to support the trade activities of enterprises, including import loans and export credits.
3. Rural loans:
Agricultural loans: Farmers in rural areas can obtain agricultural loans for purchasing agricultural land, planting, breeding and purchasing agricultural equipment.
Rural credit cooperatives loans: Rural credit cooperatives usually provide small credit loans for rural residents' small consumption and production and operation needs.
4. Student loans:
Education loan: Students can borrow money to pay tuition, books and living expenses to support their education.
5. Real estate loans:
Commercial real estate loan: used to buy, build or rebuild commercial land, such as office buildings, shopping centers, hotels, etc.
Residential real estate loans: used to purchase residential real estate, including house purchase loans and mortgage loans.
6. Public sector loans:
Government loans: The government can borrow money for infrastructure construction, emergency rescue, public projects and services.
7. International loans:
Loans from international organizations: International financial institutions such as the World Bank and the International Monetary Fund (IMF) provide loans to governments for national development projects and reducing the debt burden.
Foreign trade financing: international trade financing, supporting import and export activities.