1. Working capital Working capital is mainly used for the construction of major energy, transportation and raw material industrial bases related to the overall national economy, trans-regional and national transportation projects, key post and telecommunications facilities, key machinery, electronics and textile industrial projects, major agricultural bases and key shelter forest projects, and key emerging industrial projects to support the construction of economically underdeveloped areas. Operating capital construction funds are divided into hard loans and soft loans: hard loans are mainly used for construction projects with good repayment ability; Soft loans are mainly used for construction projects with national policy investment.
2. Non-operating funds Non-operating funds are mainly used for the construction of cultural, educational, health, scientific research and other projects without economic income directly organized by various central departments and the management projects of major rivers.
At the beginning of the establishment of the national capital construction fund system, the capital construction fund was allocated to the Construction Bank by the Ministry of Finance on schedule, which was responsible for its management. At the same time, six national professional investment companies including energy, transportation, raw materials, electromechanical textiles and agriculture and forestry have been established. National professional investment companies can use the capital construction fund loans provided by China Construction Bank to directly invest in the construction unit through equity participation and holding, and form "project capital"; National professional investment companies can also entrust China Construction Bank to invest in the construction unit in the form of loans, thus forming a "national professional investment company entrusted loan". The working capital managed by the competent department shall be granted by the Construction Bank according to the arrangement of the competent department, forming a "departmental capital loan". 1994 after the establishment of China development bank, part of the operating capital construction funds were allocated by the Ministry of finance to China development bank, which issued loans to the construction units, forming "investment loans of China development bank". The original six national professional investment companies were merged into the National Development Bank, and a new national development and investment company was established. Responsible for the operation of some operating capital construction funds. The non-operating capital construction fund is managed by the central competent department, and the Construction Bank allocates it according to the national plan and the arrangement of the competent department, forming the "capital construction fund appropriation".