The construction bank is one of the leading commercial banks in the country, with a wide variety of business lending products. The following is a summary of the business loan products of the building bank。

What are the construction enterprise loan products

First, from the point of view of the lending modality, the construction bank ' s main products are divided into two categories: loan products and guarantee products. Of these, loan-based products include loan services such as liquidity loans, fixed-asset loans, financial leases, import bonds, etc., and security services such as credit bonds, bonds, performance bonds, bid bonds, etc。

Second, from the point of view of the target audience, the construction bank ' s business loans are mainly directed at micro, medium and large enterprises. Of these, micro-enterprise loans are aimed at micro-enterprises with assets of less than 50 million yuan per year; medium-sized enterprise loans are directed at enterprises with assets of more than 200 million yuan per year and assets of more than 50 million yuan per year; and large-scale enterprise loans are directed at enterprises with sales of more than 500 million yuan per year。

Second, from the point of view of the duration of the loan, the duration of the loan for the construction of the bank is essentially one to five years. Of these, short-term loans within one year are usually to meet the liquidity needs of enterprises; medium-term loans are to be used for the expansion of the enterprise ' s production and investment; and long-term loans are to be used for fixed-asset investment, technological upgrading, etc. of enterprises。

Finally, from the point of view of interest rates, the interest rates offered by the construction banks in respect of enterprise loans depend mainly on the type of loans, the duration of the loans and the credit ratings of the beneficiaries. In general, the interest rate for small and medium-sized enterprises is relatively low, while the interest rate is set for large and medium-sized enterprises based on rating levels。

In summary, the construction bank's business loan product covers a wide range of needs and is adapted to a wide range of different types of enterprises, with flexible interest rates and a rich variety of loans, and is one of the first banks to finance the business。