E loan is a bank loan. According to the query of Oriental Fortune.com, e-lease loan is a loan product of China Merchants Bank, which provides flexible cash credit business, and the amount is higher than that of credit card. The application for approval will be based on the cardholder's card usage, including active card consumption, good repayment record and no overdue. E once the loan application is successful, the amount and the number of installments cannot be modified. If the loan is settled in advance, 3% of the outstanding principal will be charged as liquidated damages, and the installment fee will not be refunded. Online lending (P2P online lending) refers to the behavior of individuals borrowing from each other through online platforms, that is, taking a third-party online lending platform (a website with relevant qualifications) as an intermediary platform, the borrower publishes the loan target on the platform, and the investor issues loans to the borrower through bidding.