What does Bank of Communications Youdaitong mean? 1. What is Youdaitong product? Youdaitong is for small and micro customers with Bank of Communications as the main settlement bank. Based on the withdrawal of their operating funds, Comprehensively consider the customer's contribution and credit risk, determine their credit limit and preferential credit policy for interest reduction. 2. What are the features of Bank of Communications Youdaitong 1) Credit business with a single business period of no more than one year can be recycled; 2) Accept single or combined guarantee methods of credit, guarantee, mortgage, pledge; 3) The maximum credit limit is 1 million , add other guarantee methods, with a maximum limit of 10 million; 4) Customers can self-service and use points to reduce loan interest through applicable electronic channels.