CCB understands that there is no clear limit to the number of times you renew your loan. Whether the loan can be renewed can be decided according to the customer's demand and credit situation. However, banks will generally decide whether to renew loans to customers according to their repayment records, credit ratings and other factors, and may require customers to provide guarantees or raise loan interest rates. "CCB knows you" is a financial APP released by China Construction Bank on 20 18, which provides one-stop credit service for small and micro enterprises. The "CCB Know You" APP intelligent service innovatively launched a new business model of "Internet customer acquisition+online credit business process" by using technologies such as the Internet, big data and biometrics, and integrated functions such as line trial calculation, account opening appointment, loan application, fee repayment and indicator questionnaire. It has the characteristics of open access to customers, one-stop handling and intelligent risk control, and has realized one-stop handling of CCB's "small and micro fast loans" online. By the end of June 2023, 1 1, there were more than110,000 APP certified enterprises in CCB, with over 2.2 million loan customers and a loan balance of over 1.8 trillion yuan.