After obtaining foreign exchange loans from banks or overseas, enterprises do not directly use foreign exchange funds, but settle foreign exchange to banks and obtain RMB funds for use. This phenomenon is called loan substitution.
According to the above definition, which of the following is a loan substitution?
The domestic economy is overheating, and commercial banks are tightening the issuance of RMB loans. A trading company turned to foreign bank loans for financial reasons to obtain foreign currency funds.