Bank loan is an economic behavior of lending funds to funds at a fixed interest rate. Moreover, in different development periods, the types of loans classified by various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account. According to different classification standards, there are many types of bank loans. For example, 1 can be divided into short-term loans, medium-term loans and long-term loans according to different repayment periods; 2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts; 3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ; 4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan. 5. According to the loan amount, it can be divided into wholesale loans. 6. According to the interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans. For example, the types of loans granted by the People's Bank of China are as follows: (1) loans. Self-operated loan refers to a loan independently issued by the lender with funds raised by legal means. The risk is borne by the lender, and the principal and interest are recovered by the lender. Entrusted loan refers to the loan provided by customers such as government departments, enterprises, institutions and individuals, which is issued, supervised and recovered by the lender (i.e. the trustee) according to the entrusted period and interest rate. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans approved by the State Council and instructed by wholly state-owned commercial banks after the loans are approved. (2) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans (excluding one year) loans for less than five years (including five years). Long-term loans refer to loans and discounted bills with a loan term of more than five years (excluding five years). Credit loans refer to guaranteed loans and mortgage loans. Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC). When the borrower cannot repay the loan, it will undertake the first installment as agreed. The mortgage method stipulated in the Mortgage Guarantee Law is a loan with the property of the borrower or the third party as collateral. , refers to the loan issued in China style with the movable property or rights of the borrower or a third party as the pledge. Bill discount refers to the lender's purchase of the borrower's unexpired commercial paper.

Second, what are the conditions for the Agricultural Bank to lend at will?

Personal wage guarantee loan (hereinafter referred to as "wage loan") is a RMB loan issued by Agricultural Bank of China to individual high-quality customers with good credit, with personal stable wage income as repayment guarantee to meet consumer demand. Paid loans shall not be used for purposes prohibited by relevant national laws, regulations and credit policies. Conditions for the borrower to apply for a paid loan:

1, at least 18 years old but not more than 60 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct;

2. There are legal and valid identity documents and the household registration certificate (or valid residence certificate) of the place where the loan bank is located;

3. The borrower and spouse meet the credit record conditions stipulated in the Measures for the Administration of Personal Loans.

4. The credit score is above 490 (inclusive).

5. Stable income and the ability to repay loans on schedule;

6. The purpose of the loan is reasonable and clear;

7. Open a personal settlement account in the Agricultural Bank;

3. Can the Agricultural Development Bank lend money?

It was learned from the Agricultural Development Bank of China that the second phase project of cm2006 system of the bank was officially put into production a few days ago, which marked the formal and comprehensive opening of the credit management system of the Agricultural Development Bank. Since then, the Agricultural Development Bank's credit management system has changed from manual classification operation to electronic operation, integrating credit asset risk classification with post-loan management, effectively preventing and controlling credit risks, and further meeting the regulatory requirements of regulatory authorities. In order to build a modern agricultural policy bank, in 2006, the Agricultural Development Bank began to gradually introduce the credit management system of Industrial and Commercial Bank of China. On September 1 day, 2007, the loan management of the cm2006 system of Agricultural Development Bank was put into operation after customized transformation. The second phase of cm2006 system started in June 2008. At present, the second phase of the system has been running for nearly a month, running smoothly and handling all business smoothly. After the second phase of cm2006 system was put into production, the classified management of credit assets was realized at 12 level. It is not only a refinement of the five-level classification of loan risks currently implemented by the Agricultural Development Bank, but also a change from the original qualitative classification standard to quantitative classification. Through the quantitative scoring and qualitative judgment of more than 30 factors such as borrowers, debts and sources of secondary repayment, the actual value and risk degree of loans can be reflected more accurately and dynamically, and the ability to identify the risks of credit assets can be improved. It is reported that after the launch of cm2006 Phase II system, six risk management modules, namely, 12-level classification of credit asset quality, risk provision management, non-performing loan management, bad debt write-off management, debt repayment asset management and collateral evaluation, have been put into operation, which have played an important role in risk identification, risk measurement and compensation, risk control, risk disposal, risk monitoring, risk early warning and leadership decision support, etc., and will realize the centralization of historical data and implement the internal rating method for risk management of Agricultural Development Bank. At the same time, the second phase project of cm2006 system is combined with the first phase project. Using modern information technology, credit approval, post-loan monitoring and management, risk management, etc. All of them are processed by computer, and the system is solidified and rigidly controlled in the system flow, forming a complete system covering the whole process of credit and risk management, and further integrating the credit management and risk management system of Agricultural Development Bank with the requirements of modern banks. (Xinchuan Wang)

4. Can China Agricultural Development Bank lend money to individuals?

Yes, individuals with collateral and business license and good reputation can release the goods.

China Agricultural Development Bank can make personal loans.