The forms of loan contracts vary considerably from sector to sector, from country to country, but characteristically a professional commercial loan contract includes the following terms: for commercial banks and large financial firms, “loan contracts” are generally not classified, although “credit portfolios” are often divided into “personal” and “commercial” loans. , while the “commercial” category is then subdivided into “industrial” and “commercial” loans. “Industrial” loans are those that depend on the cash flow and solvency of the company and the widgets or services it sells. Commercial home loans are those that pay off loans, but this depends on the rental income paid by tenants who lease land, usually for long periods of time. There are more detailed rankings of credit portfolios, but these are always variations around the big topics. The categorization of loan contracts according to the type of facility generally leads to two main categories: before the conclusion of a commercial loan contract, the borrower first makes statements about his affairs concerning his character, creditworthiness, cash flow and all the guarantees he must guarantee as collateral for a loan. These presentations are taken into account and the lender then determines the conditions under which they are willing to advance the money. Loan contracts between commercial banks, savings banks, financial companies, insurance companies and investment banks are very different from each other and all feed for different purposes. “Commercial banks” and “savings banks” because they accept deposits and take advantage of FDIC insurance, generate credits that include concepts of “public trust.” Prior to the intergovernmental banking system, this “public confidence” was easily measured by national banking supervisors, who were able to see how local deposits were used to finance the working capital needs of industry and local businesses and the benefits of the organization`s employment. “Insurance agencies,” which charge premiums for the provision of life, property and accident insurance, have entered into their own types of loan contracts. The credit contracts and documentary standards of “banks” and “insurance” evolved from their individual cultures and were regulated by policies that, in one way or another, met the debts of each organization (in the case of “banks,” the liquidity needs of their depositors; in the case of insurance organizations, liquidity must be linked to their expected “receivables”).