Warm loan is a loan product launched by Wenzhou Bank. According to the relevant policy requirements and audit of Wenzhou Central Sub-branch of China People's Bank and Wenzhou Bank Insurance Supervision and Management Branch, it was ensured to be legal and compliant. Warm credit is innovatively launched to improve the availability of financial services for individual industrial and commercial households, aiming at providing individual industrial and commercial households with on-demand loan credit products or targeted financing solutions to improve the accuracy of financial services for individual industrial and commercial households.