CITIC CIGNA loan is formal, with normal interest, neither high nor low. According to the inquiry data, CITIC Bank has a business license and is the largest subsidiary of CITIC Group. Founded in 1987, it is one of the earliest emerging commercial banks established during China's reform and opening up. It is also the first commercial bank in China to participate in the financing of domestic and foreign financial markets. It is well-known at home and abroad because it has created many firsts in China's modern financial history, and has made positive contributions to China's economic construction, with little operational risk. Its interest rate is higher than that of the four major domestic banks and lower than that of ordinary commercial banks.