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.

國際商業(yè)貸款是指境內機構向中國境外的金融機構，企業(yè)，個人，或者其他經濟組織以及在中國境內的投資金融機構籌借的，以及外國貨幣承擔契約性的償還義務款項。出口信貸，國際融資租賃，以及外匯方式償還的補償貿易，境外機構和個人外匯存款，項目融資，90天以上的貿易項下融資以及其他形式的外匯款視同國際商業(yè)貸款管理。