The difference between corporate loans and personal loans: First, enterprises with different conditions will apply for business loans, and the conditions will be relatively strict. In addition to the operating conditions and credit of the enterprise, other comprehensive factors of the enterprise are also needed. Relatively speaking, the conditions for individuals to apply for loans are simpler than those for enterprises to apply for loans. Second, loans are used for different purposes. The purpose of an enterprise applying for a loan is generally for business operation or capital turnover. Personal loan applications can be used for consumption, medical care, education, decoration, tourism and capital turnover. Third, loan repayment. When issuing loans, different banks will consider how to deal with loans that cannot be recovered in the near future. If the enterprise can't repay the loan in the near future, the enterprise legal person needs to bear the responsibility. Therefore, generally speaking, banks are very strict in comparing the collateral range of corporate customers. If the personal loan cannot be repaid in the near future, the personal credit record will be greatly affected, and the collateral may be disposed of by the bank, and in serious cases it may be blacklisted by the bank.