State loans refer to loans granted by the state to support economic development and promote social progress. It can be loans or guarantees provided by the government to enterprises or individuals, or loans provided by banks, credit cooperatives or other financial institutions to qualified enterprises and individuals entrusted by the state. State loans are usually favorable in interest rates and flexible in repayment methods, which are important sources of funds.

State loans have their unique characteristics. First of all, its interest rate is lower than the loan interest rate in the market, because the country hopes to provide a low-cost financing means for economic entities in this way and promote economic development; Secondly, the loan period of state loans is relatively long, which provides applicants with more time to develop their business or projects; Finally, the financing amount of state loans is higher, and the state will provide more preferential policies for some key areas or industries.

State loans can support a wide range. For example, it can be used to support the development of enterprises in manufacturing, service industry, agriculture and other fields, and can also be used for social welfare undertakings or project construction in new energy and environmental protection industries. In addition, state loans can also be used to support the development of small and medium-sized enterprises, especially when these enterprises have great difficulties in innovation and development. In short, state loans are a strong support for economic and social development and provide an important source of funds for the development of various enterprises and institutions.