Since CITIC Rural Credit Cooperative is a formal financial institution, it can make online loans, and online loans are wealth management products, so they are not online loans.

CITIC Rural Cooperative is a pilot project of 1996 microfinance. In 2000, the project was taken over by the China Foundation for Poverty Alleviation, and then the microfinance project department was established, which was the predecessor of CITIC Rural Cooperative.