是指商业银行以所筹集的资金自主发放的贷款。指贷款人以合法方式筹集的资金自主发放的贷款，其风险由贷款人承担，并由贷款人收回本金和利息。自营贷款期限最长一般不得超过10年，超过的应当报中国人民银行备案。 商业银行发放贷款的种类主要为自营贷款。
另一方面，假如当地银行有100％自营贷款审批权，它从它的总部和银行分层级物理间隔是那么主要了。
On the other hand, if the local bank has 100% self-loan approval right, its physical distance from its headquarters and the bank hierarchical level are less important.
2008年抵押贷款危机导致严重亏损后，摩根·士丹利关闭了大部分自营交易业务部门。
Morgan Stanley closed most of its prop trading units after experiencing heavy losses as a result of the mortgage meltdown in 2008.
个人商业用房贷款是指银行向借款人发放的购置自营性商业用房和自用办公用房的贷款。
Personal commercial housing loan means a loan lent by any bank to the borrower for it to purchase a self-operated commercial housing or a self-used official housing.
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