Recently, China Merchants Bank Shanghai branch launched its own business.

The "market loan" has four major characteristics: first, the threshold is lower; in the professional market recognized by the bank, the individual operators who meet the conditions of operating years and assets scale can obtain loans; two, the process is simpler, and the personal operators need not provide financial materials such as corporate financial statements; three, there are more forms of guarantee, and individual operators can use multi person joint guarantee, professional market management guarantee, professional market shops or booth renting rights, mortgage and other effective pledge methods; four, repayment methods are more flexible, and individual operators can save money through lending with online banking.

At present, China Merchants Bank's "market loan" choice is mainly based on the wholesale market of fast-moving consumer goods, giving priority to services, shoes and hats, leather goods, home textiles, furniture, food, household appliances and other consumer goods market or raw materials market such as cloth and leather.