When an enterprise receives a special account for small and micro loans, it means that the enterprise borrows from a special account for small and micro loans or a special account for loans from other financial institutions due to the needs of production and operation.

Provide small and micro loans to enterprises in accordance with the prescribed interest rate and term of loans. Small and micro loans of enterprises are mainly used for large long-term investments such as the purchase and construction of fixed assets and technological transformation.

At present, small and micro loans of enterprises can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, and unit regular pledge loans.