Loan classification

SME lending

SME lending

  product
guaranteed loans is defined to mean the bank credit, according to the People's Republic of China guarantee Act, based on borrowers some kind of guarantees provided by a Bank, lending to borrowers. Different types of

by way of security are divided into: guaranteed loans, mortgage loans and mortgage loans.
1, guaranteed loans: is defined as the People's Republic of China guarantees under the security law, commitment to a third person when the borrowers cannot repay the loan, bear joint and several liability and payments in the loan as agreed.
2, mortgage: is defined as the People's Republic of China Law of guarantee provided by means of mortgage, the borrower or third person's property as collateral on loans.
3, mortgage loan: is defined as the People's Republic of China Law of guarantee provided by means of mortgage, the borrower or a third person movable property or rights as the hostage of loans.
according to the loan terms are divided into short-term loans, medium-term and long-term loans. Specific classification with the corresponding provisions of the credit.
functions and characteristics of
for customers in production and operating activities generated by normal and reasonable financial needs, providing credit support.

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