1. A loan contract refers to an agreement that a financial institution is the lender, accepts the borrower's application to provide a loan to the borrower, and the borrower will repay the loan principal and pay the loan interest at maturity. The borrower should use the loan according to the agreed purpose and cannot use it for illegal purposes.

2. Information confirmation is to provide a payment platform for the payer to prevent the payer from paying the goods incorrectly because of the account opening information.