RMB loans:

a) Medium- and long-term loans mature in a year's time or longer. They are mainly used to assemble capital for infrastructure, basic industries and pillar industries as well as technology upgrading projects.

b) Short-term loans, with maturity set at under a year, are used to fill clients' short-term needs for funds for projects within the CDB's business scope before medium- and long-term loan contracts have been completed. Examples include: preparatory funds, funding for equipment, materials and other costs covered by budget estimates, advances to cover temporary funding shortages before supporting funds are in place, and short-term loans for production and operation.

Foreign currency loans:

a) Foreign-currency loans on CDB's own account.

b) On-lent loans, including loans from governments of foreign countries, export credit, debt issued overseas, international syndicates and international financial organizations.