International commercial loans refer to borrowing by domestic entities from financial institutions，enterprises， individuals or other economic organizations outside China territory ，or foreign-funded financial institution within the Chinese territory in the form of loans contracted for repayment in foreign currencies. Export credits， international financial leasing，compensation trade repaid of foreign exchange. Foreign exchange deposits of institutions and individuals outside the Chinese territory， project financing ，trade financing with a maturity of more than 90days， and foreign exchange loans in other forms are taken as international commercial loans.

國(guó)際商業(yè)貸款是指境內(nèi)機(jī)構(gòu)向中國(guó)境外的金融機(jī)構(gòu)，企業(yè)，個(gè)人，或者其他經(jīng)濟(jì)組織以及在中國(guó)境內(nèi)的投資金融機(jī)構(gòu)籌借的，以及外國(guó)貨幣承擔(dān)契約性的償還義務(wù)款項(xiàng)。出口信貸，國(guó)際融資租賃，以及外匯方式償還的補(bǔ)償貿(mào)易，境外機(jī)構(gòu)和個(gè)人外匯存款，項(xiàng)目融資，90天以上的貿(mào)易項(xiàng)下融資以及其他形式的外匯款視同國(guó)際商業(yè)貸款管理。