濟(jì)南慈高經(jīng)貿(mào)有限公司

個人經(jīng)營性貸款的兩種貸款方式：

Two kinds of loans for personal business loans:

1、流動資金貸款。流動資金貸款是指商業(yè)銀行向從事合法生產(chǎn)經(jīng)營的個人借款人發(fā)放的，用于滿足個人企業(yè)生產(chǎn)經(jīng)營流動資金需求的貸款。

1, liquidity loans. Working capital loan refers to a loan issued by a commercial bank to a Personal Borrower engaged in legal production and operation, which is used to meet the demand of individual enterprises for production and operation.

流動資金貸款分為有擔(dān)保流動資金貸款和無擔(dān)保流動資金貸款。

Working capital loans are divided into secured liquidity loans and unsecured liquidity loans.

2、專項(xiàng)貸款。專項(xiàng)貸款是指商業(yè)銀行向個人借款人發(fā)放的用于購買或租賃指定商用房和機(jī)械設(shè)備的貸款，由經(jīng)營生產(chǎn)的現(xiàn)金流為其主要還款來源。

2, special loans. Special loans refer to the loans issued by commercial banks to individual borrowers for the purchase or lease of designated commercial housing and machinery and equipment.

專項(xiàng)貸款包括個人經(jīng)營設(shè)備貸款和個人商用房貸款。

Special loans include personal operating equipment loans and personal commercial housing loans.

商用房貸款是指商業(yè)銀行向個人借款人發(fā)放的，用于定向購買或租賃商用房或者店鋪所需資金的貸款。

Commercial housing loans are loans issued by commercial banks to individual borrowers for the purpose of purchasing or leasing commercial premises or shops.

設(shè)備貸款是指商業(yè)銀行向個人借款人發(fā)放的，用于購買和租賃生產(chǎn)經(jīng)營活動中所需設(shè)備的貸款。

Equipment loans refer to loans issued by commercial banks to individual borrowers for the purchase and leasing of equipment required in the production and operation activities.

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濟(jì)南慈高經(jīng)貿(mào)有限公司

　　聯(lián)系人：孫經(jīng)理

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