legal subjectivity:

The main forms of debt financing include: bank loans, short-term bank financing (bills, accounts receivable, letters of credit, etc.), short-term corporate financing bonds, corporate bonds, medium-and long-term bond financing supported by assets, financial leasing, government discount loans, intergovernmental loans, loans from world financial organizations and private debt funds. Legal objectivity:

Law of the People's Republic of China on Commercial Banks Article 34 Commercial banks conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies. Article 35 of the Law of the People's Republic of China on Commercial Banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separation of loan examination and grading examination and approval. Article 36 of the Law of the People's Republic of China on Commercial Banks, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral and pledge, and the feasibility of realizing mortgage and pledge. After examination and evaluation by a commercial bank, it is confirmed that the borrower's credit standing is good and the loan can be repaid, and no guarantee may be provided.