Bonds are securities issued by debtors such as governments, enterprises and banks in accordance with legal procedures in order to raise funds and promise creditors to repay the principal and interest on a specified date. Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans, which is the same as "credit" in a broad sense. The "Qianhua" personal credit loan products that cooperate with the seven major banks only need to fill in the identity information and submit the materials to obtain the loan amount, and lend according to the comprehensive conditions of personal credit information.

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