1. Margin loan: Margin loan means that the borrower pays a certain amount of margin to the bank as credit guarantee, and the bank can use the margin to deduct the loan principal and interest according to the contract during the loan period. Because there is a deposit as a guarantee, the risk of the bank is less.
2. Accounts receivable pledge loan: Accounts receivable pledge loan refers to the loan granted by enterprises to banks with uncollected accounts receivable as collateral. Because accounts receivable have real value, banks can recover the loan principal by recovering accounts receivable, so the risk is low.