A loan at the period division, a short-term loan, medium and long-term loan. Short term loans, refers to the loan period within 1 years (including 1 years) loans. Medium term loan, is a more than 1 year loan period (not including 1 years) to 5 years (including 5 years) loans. Long term loans, is a 5 year loan period (not including 5 years) above loan.
The loan in accordance with the unsecured division, is divided into credit loans and loan guarantees. Credit, is based on the quality of the borrower's credit status to borrowers of loans, not to find "the guarantor", there is no guarantee. Loan guarantee, refers to the borrower or third party guarantees and loans. Secured loans guaranteed loans, including mortgage, pledge loans. Guaranteed loan, mortgage or pledge loans, refers to the "Regulations of the people's Republic of China Law of guarantee" guarantee, mortgage or pledge loans. Such as individual housing loans and car consumption loans, are in the housing or car as collateral loans secured loans.
The rural credit cooperatives, according to the division of the use of the loan object, purpose, mainly rural commercial and industrial loans, consumer loans, student loans, property loans, loans to farmers, agricultural economic organization of loans and other loans.
A, self loans, entrusted loans and specific loan:
1, self - loan, refers to resort to legal means to raise funds own loans, the risk from the lender, and the lender to recover the principal and interest.
2, entrusted loans, is defined by the government departments, enterprises and institutions and individuals entrusted to provide funds, the lender (or trustee) according to the client to determine the loan object, purpose, amount, interest rate, time limit for payment, supervision and assistance loan. The lender (the trustee) only collect fees, do not bear the risk loans.
3, the loan is approved by the State Council, and the loan losses and take remedial measures enjoined the solely state-owned commercial bank loans.
Two, short-term loan, medium and long-term loan:
1, short-term loans, refers to the loan period within 1 years (including 1 years) loans.
2, medium term loan, is a more than 1 year loan period (not including 1 years) to 5 years (including 5 years) loans. 　
3, long-term loans, is a 5 year loan period (not including 5 years) above loan.
Three, credit loans, secured loans and bills discounted:
1, credit, refers to the borrower's credit loans.
2, loan guarantee, refers to guarantee loans, mortgage, pledge loans.
Loan guarantees, refers to the "Regulations of the people's Republic of China Law of guarantee" guaranteed way to third people in the borrower cannot repay the loan commitment, agreed to assume the general guarantee liability or joint liability and loans.
Mortgage, refers to the "Regulations of the people's Republic of China Law of guarantee" the mortgage to the borrower or the third party's property as collateral loans.
Pledge loans, refers to the "pledge of regulations of people's Republic of China Security Law" to the borrower or the third party's property or rights as a pledge loans.
The 3, bill discount, is issued by the lender to the borrower fails to buy commercial paper loans due way.
Two, the duration of the loan, the interest rate
(a) small short-term credit personal loans 1 years (including) the following.
(two) small short-term credit personal loan interest rates in accordance with the provisions of the people's Bank of Chinese short-term loan interest rates, floating rate in accordance with the relevant provisions of the people's Bank of Chinese execution. In the period of the loan with interest rate adjustment, the implementation of the contract interest rate, not sub bearing. The term of the loan is less than 6 months, by 6 months level interest rate.
(three) the individual small short-term credit line starting point for 2000 yuan, the loan amount does not exceed 6 times the average monthly wage income borrowers, and the highest do not exceed 20000 yuan.

(four) small short-term credit personal loans are generally not for extension. Due to force majeure or unexpected accidents can not be owing on the loan, the lender can be extended once, and the total loan period not exceeding 1 years. Before the extension of interest according to the original contract rate payment. Extension is of interest, the total loan term is less than 6 months, since the renewal date, according to the listing of 6 month loan interest rate: over 6 months, since the renewal date, according to the listing of the 1 year period loan interest rate.

Bank loan classification

   According to different standards, the bank loan has various types. Such as:

According to the repayment period is different, can be divided into short-term loan, medium and long-term loan;

To repay in different ways, can be divided into demand loan, a term loan and overdraft;

According to the use of the loans or object is different, can be divided into commercial and industrial loans, agricultural loans, consumer loans, securities broker loan;

According to the loan guarantee condition is different, can be divided into bill discount loans, mortgage notes, commercial mortgages, credit;

According to the loan amount is different, can be divided into wholesale and retail loans;

According to the interest rate agreement in different ways, can be divided into fixed rate and floating rate loans, etc..

Moreover, in different countries and different development period of a country, according to various standards to divide the types of loans is different. As American business loans mainly general loan limits, working capital loans, loan commitments, project loans and other types, while the British commercial and industrial loans by bill discount, credit accounts and overdraft account form.
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