Suixianghua is a bank lending platform. Suihuaxia is an online micro-credit loan product provided by China Agricultural Commercial Bank, which can be regarded as a bank lending platform. This product cannot be withdrawn, and can only be used for consumption in specific scenarios. If you want to apply for cash loan, please pay attention to other products. Users who want to apply for free consumption must have a debit card of the rural commercial bank and successfully open a Harvest electronic account.