目前我国银行对贷款业务种类的划分标准，通常有三种，一种是以贷款的用途作为划分标准将货款划分为流动资金贷款、项目贷款、住房贷款等；第二种是以货款的期限为划分标准将货款划分为短期、中期和长期贷款；第三种是以贷款的方式为划分标准将货款分为信用贷款、担保贷款和票 At present, there are three kinds of standards for dividing banks in China’s loan business. One is to divide loans into working capital loans, project loans and housing loans based on the use of loans. The second is to classify loans by the deadline The standard will be divided into short-term, medium-term and long-term loans; the third is the way the loan for the division of standards will be classified as credit loans loans, loans and votes secured