Sme loans , bills discounting , finance lease guarantee ; loan guarantees for the individual consumer ; foreign investment 对中小企业贷款、票据贴现、融资租赁的担保；对个人消费贷款担保；对外投资。
The third type is also a kind of guarantee in a way . so in this article , we only catalogues the way of loan into two types : credit and guarantee 第三种“票据贴现”实质也是一种担保,所以本文将贷款方式只分为信用和担保两种。
For instance , once the company issues an invoice , cash is available . factoring can help businesses with their cashflow , and obtain working capital more quickly 票据贴现的最大优点是，公司可凭其开出的发票取得贷款；贷款额则是按销售业绩而定。
The author pointed out that the legal nature of note discount should be the two parties ' legal act of bill right transfer by analyzing defects of “ the loan doctrine ” and “ the note act doctrine ” 作者通过分析“贷款说”和“票据行为说”的缺陷，指出票据贴现的法律性质应该为票据权利转让的双方法律行为。
In view of these , in order to carry out the research we select credit risk as the subject investigated in this article , just by analyzing the factors - the way of loan that do have influential on the credit risk 鉴于此,本文以信用风险为研究对象,研究信用风险在不同贷款方式下的迁移。我国《贷款通则》将贷款方式分为信用,担保和票据贴现三种。
