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.