A loan provided by a group of financial institutions led by a single bank to share risk. In Taiwan, an abbreviation for 联合贷款 lián​hé​dài​kuǎn; in Mainland China, equivalent to 银团贷款 yín​tuán​dài​kuǎn

(Mainland China) A credit system where a group of small or medium enterprises provide mutual guarantees for each other's debts; abbreviation for 联保联贷 lián​bǎo​lián​dài.