据《商业银行法》规定,我国商行贷款方式主要有6种: 1.抵押贷款。借款人将其房地产、设备、有价单证及其它可转让的权益,依法办理有关手续,抵押给银行,取得银行贷款。 2.担保贷款。借款企业或单位以符合条件的第三方的信誉和资产作为贷款偿还保证,得到银行贷款。 3.银行承兑。企业需要购进商品而缺少资金时,向销售单位出具延期付款的汇票,汇票经银 According to “Commercial Bank Law” provides that China’s commercial loans are mainly six kinds: 1. Mortgage loan. The borrower mortgages its real estate, equipment, negotiable documents and other transferable rights and interests to the bank according to the law and obtains bank loans. Secured loan. Borrowing companies or units to qualify as a third party credit and assets as a loan repayment guarantee, get a bank loan. Bank acceptance Enterprises need to purchase goods and lack of funds, to the sales unit issued a deferred payment draft, draft by the silver